dmertz
Level 15

Retirement tax questions

setneupm, because you established your first Roth IRA more than 5 years ago and are over age 59½, any distribution from your Roth IRAs is tax and penalty free.  Roth conversion clocks no longer apply after age 59½ because Roth conversion clocks relate only to early-distribution penalties and being age 59½ is already an exception to that penalty.