No. of Recommendations: 1
IRS Publication 590, p 66 and 67 has a worksheet that deals with this situation.

The 5 yr rule--that you can take qualified distributions after 5 yr from opening the account and after age 59-1/2 applies to contributions and distributions. On conversions, there is a 5 yr rule for each conversion.

The worksheets walks you through the complexities.

IRS Publication 590 is available on the website.
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