For 2025 I have completed all my RMDs and also a Roth conversion.
The only thing is I did the Roth conversion early in the year and the RMDs late in the year.
Some say that makes the Roth conversion invalid, is considered an excess contribution, and it must be removed from the Roth.
Others say no, as long as RMDs are complete at year end, any excess distributions above the RMD are eligible for conversion. So, the 1099-R will show total distributions, the 5498 will show what entered the Roth, and the 8606 will show how much was a valid conversion after subtracting the RMD.
Please verify that I don't have a problem and that the sequential order doesn't really matter in my case.
