Q. But, can I add myself as beneficiary now and qualify for that, or I have to wait until 15 years later to qualify?
A. I think that's pretty clear, you'll have to wait another 15 years. I'm in the same situation. I plan to fund my son's Roth IRA and have him reimburse me only the tax adjusted value.
Q. Do you know, "The lifetime 529 to Roth IRA rollover limit is $35,000", is it per account or per beneficiary?
A. No, I don't know for sure, but everything I read seems to say beneficiary. Here's an article that seems to say that question is not clear in the act. https://www.putnam.com/advisor/content/wealthManagement/7131-secure-2-0-creates-new-backdoor-roth-op...
