5 Steps for Tax-Free Roth IRA Distributions

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You’ve worked hard to build up your Roth IRA, but one small mistake could turn “tax-free” income into a tax surprise. In this episode, Scott walks through the five essential steps to make sure your Roth IRA withdrawals remain completely tax and penalty-free. Follow the rules, track your timelines, and your Roth can become one of the most powerful tax-free tools in retirement.

Here’s what we cover in this episode:

💡 Tax-Free Roth Rules: understanding how Roth IRA withdrawals really work

🔄 Aggregation Rule: how the IRS treats all Roth accounts as one

💰 Withdrawals & Penalties: what you can access penalty-free and when conversions get tricky

⏳ The Five-Year Rule: why timing determines whether earnings stay tax-free

🧾 Tax Planning Tips: coordinating Roth withdrawals with your overall strategy

 

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