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Level 1

Solved

Inherited IRA Distribution

Forum|Forum|11 months ago
August 6, 2025
2 replies
22 views

Can I take an inherited IRA distribution and move it to a Roth IRA after paying the tax?

Not A Product Question

Best answer by Opus 17

Expert Reviewed

As far as I know, you can't rollover an inherited traditional IRA to an inherited Roth IRA.

If you withdraw the funds from the inherited IRA and pay the taxes, then the remaining money in your bank account is just money, and you can do anything with it that you can do with other money. That includes contributing to a Roth IRA, following all the normal rules about contributions ($7000 per year, must have compensation from working, etc.). If the inherited IRA is larger than $7000, I do not know of any way to rollover the entire amount to a Roth IRA, even if you are willing to pay the taxes.

Answer

Level 15

Expert Reviewed

As far as I know, you can't rollover an inherited traditional IRA to an inherited Roth IRA.

If you withdraw the funds from the inherited IRA and pay the taxes, then the remaining money in your bank account is just money, and you can do anything with it that you can do with other money. That includes contributing to a Roth IRA, following all the normal rules about contributions ($7000 per year, must have compensation from working, etc.). If the inherited IRA is larger than $7000, I do not know of any way to rollover the entire amount to a Roth IRA, even if you are willing to pay the taxes.

Level 15

Conversions and contributions are not allowed with Inherited IRAs.