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Greetings,

My mom is 80 and has been taking automatic monthly RMD's from her traditional IRA, up until April 2 this year. When we found out about the RMD suspension for 2020, we stopped the automatic withdrawals. From what I can tell, she has until July 15 according to the CARES Act to re-deposit one (or some?) of these withdrawals. She has not done any sort of rollover within the past 12 months.

I have a few questions, as the info I find online often seems confusing and/or contradictory.

1) She took $5K monthly distributions, which were initiated by her brokerage on 1/2, 1/31, 3/2, and 4/2. The distribution initiated on 1/31 was not deposited in her checking account until 2/3. Would that distribution qualify to be re-deposited?

2) How many of her $5K distributions can be re-deposited? Is it only one, or is it potentially the February, March, and April distributions?

3) She has a Roth IRA account, which she has never funded. Would she be allowed to roll over some portion these RMD withdrawals into her Roth? If so, what would be the maximum? (She is retired, by the way.)

Any information or feedback is very much appreciated!!!

Todd
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