Terms of use

1. What this site is

10yearrmd.com (the “site”) is a free, informational calculator and set of reference materials about the SECURE Act 10-year rule for inherited retirement accounts. It is operated by Red Goggles LLC (“we,” “us”). By accessing or using the site you agree to these terms; if you don't agree, please don't use the site.

2. Not professional advice

The site provides general information and estimates for educational purposes only. It is not tax, legal, investment, or financial advice, and using it does not create any professional or advisory relationship. Estimates are not determinations of your required distributions, tax liability, or beneficiary classification. Always confirm your specific situation with a qualified CPA, tax attorney, or fee-only fiduciary financial advisor, and with the IRS. See our full disclaimer.

3. Accuracy and “as is”

We build the planner from published IRS rules and life-expectancy tables and take accuracy seriously, but the underlying law, dollar thresholds, penalty rates, and dates change and can contain errors. The site is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or non-infringement. We don't warrant that the site will be uninterrupted or error-free.

4. Limitation of liability

To the fullest extent permitted by law, Red Goggles LLC will not be liable for any indirect, incidental, consequential, or special damages, or for any decision you make based on the site or its estimates — including any tax, penalty, or missed-deadline consequence. Your sole remedy if you're dissatisfied is to stop using the site.

5. Your inputs and privacy

The calculator runs entirely in your browser; we don't collect the dates, balances, beneficiary type, or income values you enter. Your use of the site is also governed by our privacy statement.

6. Intellectual property

The site's text, design, and code are owned by Red Goggles LLC or used under license. You may read, share links to, and quote reasonable excerpts with attribution. You may not copy the site wholesale, or scrape or republish it as your own.

7. Third-party links and advertising

The site links to third-party resources (such as IRS pages and sibling calculators) and is supported by display advertising. We don't control third-party sites or ads and aren't responsible for their content, accuracy, or practices.

8. Changes

We may update the site and these terms from time to time. Continued use after a change means you accept the updated terms.

9. Contact

Questions about these terms? Email [email protected] or use our contact page.

Last updated: July 2026