Basically, I'm trying to figure out if there are any rules surrounding ROTH withdrawals over the age of 65, if I am ALSO converting 403b to ROTH after retirement. It will probably take several years to convert all the money I want to convert. I can't convert until I retire. I might need to make a withdrawal after I'm done converting, but before 5 years after the end of conversions are up. Can I, without penalties, fees, or taxes, withdraw from any or a specific ROTH? Should I plan to put the conversion(s) into a separate ROTH? How separate does it have to be? Can it go into existing ROTH accounts but different investments, or should converted funds go into a ROTH at a totally different institution?
