Opening a Roth IRA at 64 with a $100,000 conversion still leaves earnings taxable for years because the five-year qualification clock starts late. A qualified Roth distribution requires both age 59½ ...
Opening a Roth at 64 still leaves earnings taxable at 67 because the five-year qualification clock hadn't finished, despite the owner being past 59½. A qualified Roth distribution requires both age ...
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