I was wondering if anyone could help me with this as I can't seem to find an answer. Can an IRA that was inherited pre 2020 to a non spouse beneficiary under the stretch rule be withdrawn from at any point in time? I am under the impression that the only way to access the funds is via yearly RMD. If that is the case, what happens to the remaining funds when I pass away? It doesn't seem to make much sense that I am unable to withdraw them other than the.yearly RMD. I would really love to have the answer to this as I'd like to know the remaining funds do not go to the state.