Question

Do Roth IRAs have RMDs?

Answer

No. Roth IRAs are not subject to RMDs during the original owner’s lifetime. Since 2024, Roth accounts in 401(k), 403(b), and 457 plans also follow this rule.

About Mercer Advisors

We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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