<<I knew all about the 72t section of law which allows you to start w/drawls from your IRA or 401k (whichever), but recently heard that this law also applies to Roth IRAs. Previously I thought only qualified plans like the above counted.>>I don't know where you got your information. But the 72t rules certainly apply to Roth IRA distributions. But there are certain other qualifiers regarding Roth distributions other than the section 72t issues.<< So theoretically, if I rolled my 401k into an IRA, say I had 500k. I also had about 200k in my Roth IRAs (suposing I w/drew all my own contibutions before this whole scenerio), when I establish my IRA balance on December 31, can I use the 200k Roth IRA balance along with the 500k in regular IRAs to give me a total of 700k in which to use to calculate my w/drawl amounts for the Sunstantially Equal Payments Plan?>>OK...I see what you're driving at. And I don't believe that you can use your Roth IRA balance when computing your required distribution under the annuity rules. I've looked briefly, and can find no reference or mention of the fact that your Roth IRA balance should (or must) be included when computing your "series of periodic payments". << This is very interesting to me, I previously thought the Roth IRA funds could NOT be used for the SEPP under IRC 72t. If anyone knows, PLEASE let me know!>>Well, I'm not 100% certain by any means. But I would sure like to see the source of your information. TMF TaxesRoy
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