But that five-year period would roll forward ...
Assume a 529 Plan set up in 2010, contributions were made annually from 2010-2024
First Roth conversion could theoretically happen in 2025 (when the 529 plan is 15 years old) but can only access contributions+earnings from 2020 or earlier (money must be at least five years old)
Roth conversion in 2026 could access money from 2011 or earlier
Roth conversion in 2027 could access money from 2012 or earlier
Etc.
(Note -- these dates would be actual DATES ... a plan set up on Aug 1, 2010 is 15 years old on Aug 1, 2025)
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-- KimberW
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