Roth IRA Conversions

Qualified distributions from Roth IRAs are tax free

A withdrawal from a Roth IRA (including both contributions and investment earnings) is completely tax free (and penalty free) if made at least 5 years after you first establish any Roth IRA, and if one of the following applies:

Converting or Rolling Over Traditional IRAs to Roth IRAs


In general, you can transfer all or a portion of your traditional IRA funds to a Roth IRA. This can be accomplished in one of two ways: you can convert your traditional IRA to a Roth IRA, or you can roll over funds from your traditional IRA to a Roth IRA.

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