Wealth Inheritance

{
  "amazon_link": "https://www.amazon.com/s?k=inherited+IRA+rules&tag=pulsenetwork7-20",
  "amazon_search": "inherited IRA rules",
  "disclaimer": "For informational purposes only. Not tax or legal advice. Inherited IRA rules are complex and the SECURE Act 2.0 introduced significant changes. Consult a CPA or estate planning attorney before taking distributions.",
  "inheritor_category": "Non-Eligible Designated Beneficiary",
  "key_rules_summary": [
    "Account must be fully distributed within 10 years",
    "Annual RMDs required within the 10 years since the original owner had already started RMDs",
    "No stretch IRA option available"
  ],
  "mistakes_to_avoid": [
    "Missing the first RMD deadline",
    "Assuming the old stretch-IRA rules still apply"
  ],
  "rmd_requirements": {
    "applicable": true,
    "calculation_method": "IRS Single Life Expectancy Table",
    "first_rmd_deadline": "December 31 of the year after death",
    "penalty_for_missing": "25% (reduced to 10% if corrected promptly)"
  },
  "step_up_in_basis": {
    "applies_to": "Not applicable to IRAs",
    "explanation": "IRAs do not receive a step-up in basis; distributions remain fully taxable"
  },
  "tax_planning_opportunities": [
    "Take larger distributions in low-income years",
    "Consider a Roth conversion ladder before distributions begin"
  ],
  "ten_year_rule": {
    "annual_rmd_within_10_years": "Yes — the original owner had already reached RMD age",
    "applies": true,
    "explanation": "The inherited IRA must be fully emptied by December 31 of the 10th year after death",
    "optimal_drawdown_strategy": "Spread distributions evenly to avoid a large tax bill in year 10"
  }
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance?account_type=traditional&relationship=non-spouse&your_age=45'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance?account_type=traditional&relationship=non-spouse&your_age=45' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.1 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.1" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.1 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fwealthpulse.theaslangroupllc.com%2Fapi%2Fwealth%2Finheritance
const res = await pay("https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance?account_type=traditional&relationship=non-spouse&your_age=45");
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.1 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.1"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance?account_type=traditional&relationship=non-spouse&your_age=45")
    print(res.status_code, res.text)