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When a trust is named as beneficiary of an IRA, several possible negative issues may be introduced. For example, after the death of the IRA owner, things can become more complex for the beneficiaries. Trust beneficiaries cannot simply set up their own inherited IRAs. We must open a trust-held inherited IRA and, depending on the trust document, the trust beneficiaries could be limited in their access to the dollars.

Client has been doing back door roth conversions, the last occured in April 2025 and he as a balance in...

Question: Hello Ed Slott Team! I have been doing backdoor Roth IRA conversions for years now. I recently inherited a large traditional IRA from my aunt. Will the inherited IRA affect my ability to do tax-free backdoor Roth IRA conversions?

Hello! I just turned 58 years old and will be retiring and taking distributions from my current employer’s 401k using...

The benefit of funding a Roth IRA is the availability of tax-free distributions in the future. You pay taxes now on your contribution (or conversion) in exchange for tax-free earnings down the road. The rules can be complicated. Don’t miss out on Roth IRA benefits by making mistakes when you take a distribution. Here are five steps for tax-free Roth IRA distributions.

Hello, Please see below. The client made non-deductible IRA contributions and subsequent Roth conversions as follows: 4/8/2024: Contributed $7,000 for...

Hello, Please see below my client’s situation: The client made non-deductible IRA contributions and subsequent Roth conversions as follows: 4/8/2024:...

Any thoughts on this. Client has ~$2m Rollover IRA. The account contains ~$70k in after-tax contributions. Client is 58, had...

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I posted on some basics of my question in a past post but now have more specifics after speaking with...