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Retirement tax questions
fanfare's suggestion may be the most practical. However, I would take the RMD in-kind, then convert the remainder of the traditional IRA to Roth. The appreciation in the stock from the RMD now held in a nonqualified brokerage account would eventually be taxed at capital gains rates instead of as ordinary income from the IRA (or would receive a step-up in basis at your death), while the portion converted to Roth would eventually be entirely tax free once the 5-year Roth qualification period is met (and it may already be met if you have another Roth IRA).
‎June 7, 2019
3:12 PM