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Personal Finance (Not Investing) • SECURE ACT 2.0 Roll over 529 to Roth

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Very restrictive conditions.
Dan, it would be helpful if you could share those “Very restrictive conditions.”

bill

- Account must be over 15 years old
- Rollover amount cannot exceed the beneficiary's eligible Roth contribution for that year and replaces it
- Maximum 35K lifetime 529 to Roth rollover amount per beneficiary
- No money from most recent 5 years can be rolled (contributions OR earnings). This is the one that is going to be a PIA for a lot of people. Because there will always (presumably) be earnings that can't be rolled left over.

Statistics: Posted by cshell2 — Wed May 01, 2024 7:54 am — Replies 78 — Views 7705



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