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BloodBag posted:I will be needing some very specific advice, because there is some debate whether to take a 5 year distribution of her share of the roths, or to take required minimum distribution over the rest of her life ($350k starting at age 46 looks like about it starts at $11K/year in perpetuity) and use that to pay down debts and then re-invest it. We also would like to try to avoid getting taxed to hell and back by making a stupid mistake with how we deal with those roths. Since we’ll be selling his home in CA, we’ll also have to figure out how to take our share of that and invest it to avoid long term capital gains e: nope 100% wrong SmuglyDismissed fucked around with this message at 21:31 on Mar 8, 2016 |
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Mar 8, 2016 20:24
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Evil Robot posted:Poster's title delivers Ah, spouse vs non-spouse. Good to learn something new!
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Mar 8, 2016 21:09
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. This is wrong. You can roll a non-spouse's Roth IRA over to an inherited Roth IRA but RMDs must begin soon (12/31 of the year after the death) or you will have to withdraw it all within 5 years. It looks like the OP already know this though.