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After a Roth account meets all qualifications for tax-free distribution, can you gift up to $10,000 to a dependant and that transferred account meet the same qualifications as the owner?

You can't give IRA assets to anyone, except to your beneficiaries upon your death. You could, however, make a tax-free qualified withdrawal from your Roth IRA (when such withdrawals become possible) and give the money to anyone you like. The recipient cannot put the money into an IRA of any sort.

Phil Marti
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