The beneficiary of a non-spousal inherited IRA who is less than 10 years younger than the original owner has the ability to take lifetime RMDs based upon their own date of birth.

This is an edge case which is not accounted for in our planner.

To account for your RMDs in this case, adjust original owner's information when entering the Inherited IRA account. Select a date of death prior to 2020 and a birth date that would have them already taking RMDs. For example, a dod 1/2020 and a dob 1940 should trigger lifetime RMDs.