07/10/2026
π‘ Did you know the Roth IRA "five-year rule" isn't just one rule?
There are actually multiple five-year rules that can impact when you can withdraw your money tax-free and whether penalties may apply.
Here are a few key things to know:
βοΈ Your original Roth IRA contributions can generally be withdrawn at any time without taxes or penalties.
βοΈ Investment earnings have different rules and may need to meet certain requirements before they're tax-free.
βοΈ Each Roth conversion has its own five-year holding period, so timing matters.
Understanding how these rules work can help you avoid unexpected taxes and make more informed retirement planning decisions.
Looking for guidance? Let's chat. We'd be happy to help you better understand your retirement strategy and answer your questions.