dmertz
Level 15

Retirement tax questions

True.  But if your goal is to maximize the long-term benefit of the Roth IRA, you'll probably want to do the rollover.

The only requirement is that the rollover be completed by the 60th day after the day of the distribution.  There is no requirement that the rollover be done before the end of the year in which the distribution occurred (provided you are still within the 60 days).