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I'm haven't taken a close look at the proposed law, but I would make sure to see if the RMDs in that law apply to only traditional IRAs or to both traditional and Roth IRAs. Even if you convert to Roth, they may need to withdraw over that 5-10 year period.

Neither the summary of the SECURE Act (House version) https://waysandmeans.house.gov/sites/democrats.waysandmeans.... or the RESA Act (Senate version) https://www.finance.senate.gov/imo/media/doc/RESA%20Summary%... mentions any specific type of IRA or employer retirement account. Based on that, my understanding is that the 5 or 10 year distribution will be applicable to all IRAs and all qualified employer retirement plans that are inherited by non-spouses, including Roth accounts. There are some exceptions, such as for minor children or disabled beneficiaries.

AJ
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