I am 64 years old and had opened a Roth IRA with eTrade several years ago (more than 5) and funded it while I was working. Now I am "retired" and just did an IRA to ROTH conversion last year to a new Roth account (with Fidelity). I assume I can withdraw earnings from the first eTrade Roth without any penalty as I am over 59 1/2 and have met the 5-year requirement. Does the second Roth account (Fidelity Roth - IRA conversion) also need a 5-year waiting period before I can withdraw earnings? I am thinking of converting another small amount from my IRA into the Fidelity Roth account (conversion account) - will I have to wait another 5 years to withdraw earnings from the second conversion as well?
