Must All RMDs be Satisfied before any Roth Conversions?

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Topic Author
Swimmer
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Must All RMDs be Satisfied before any Roth Conversions?

Post by Swimmer »

Hi all, this is my first year for RMDs.

I have a 457(b) and T-IRA. I understand I must take RMDs from each, as opposed to taking the total RMD from TIRA, which would be my preference.

I’d prefer to let the RMD from the 457 ride until the end of the year.

My question: can I take the RMD from the TIRA and proceed to do a Roth conversion before taking the RMD from the 457? Or, must I do all RMDs before any Roth conversion?

Thanks.
Silk McCue
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Re: Must All RMDs be Satisfied before any Roth Conversions?

Post by Silk McCue »

Since the RMDs required for the IRA and 457(b) can only be satisfied distinctly and separately, once you have completed your IRA RMD you can proceed with a Roth Conversion in the IRA without regard to the timing of your 457(b) RMD.

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Re: Must All RMDs be Satisfied before any Roth Conversions?

Post by LadyGeek »

This thread is now in the Personal Finance (Not Investing) forum (RMD).
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Topic Author
Swimmer
Posts: 762
Joined: Tue Dec 29, 2015 3:24 pm

Re: Must All RMDs be Satisfied before any Roth Conversions?

Post by Swimmer »

Thank you, Silk McCue! That was the answer I wanted.
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