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Question

What is the difference between a Roth conversion and a required minimum distribution?

Answer

A Roth conversion moves money from a traditional IRA or pretax 401(k) into a Roth IRA, and you pay income tax on the converted amount. A required minimum distribution (RMD) is a mandatory withdrawal from a traditional IRA or employer plan that counts as taxable income. A conversion is voluntary; an RMD is not, and you must take the distribution before converting.

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Retirement Tax Planning Charitable Giving Retirement Planning Living in Retirement Tax Basics Tax Tips & Tricks Protecting Your Legacy Year-Round Tax Planning FAQs
Last Updated Sept. 28, 2026
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