Roth 5-Year Rules and the Tax Planning Window: EDU #2513

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

2.2 • 673 Ratings

🗓️ 26 March 2025

⏱️ 77 minutes

🔗️ Recording | iTunes | RSS

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Summary

Chris’s SummaryJim and I continue our review of interesting and sometimes confusing retirement planning facts, mostly drawn from Jim’s recent Ed Slott conference. We focus on the two Roth five-year rules and how they apply to Roth IRAs versus Roth 401(k)s. I explain the key distinctions between tax-free earnings and penalty-free access. Jim goes further […]

Transcript

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0:23.7	Never make any investment or financial decisions based on information offered on this show
0:26.7	without first consulting your financial legal or tax advisor.
0:29.5	Financial planning services offered through Jim Solnier and Associates LLC, a registered investment advisor.
0:46.9	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:52.5	Join us as certified financial planner Jim Sonier, as well as Colorado State University finance instructor and certified financial planner
0:55.2	Chris Stein teach you about IRAs, borrow-en-case, annuities, social security, pension plans,
1:02.0	and estate planning in a fun and enjoyable show. Whether you are listening live in Colorado
1:07.0	or streaming from their website or iTunes podcast, Jim and Chris want you to know that
1:12.2	they're available to help you plan for your retirement. Just visit their website at JimHelps.com.
1:18.2	That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage. Now here's
1:25.2	Jim and Chris with today's show.
1:35.5	Hello and welcome to the Retirement and IRA show, EDU edition for this week.
1:48.6	This week's show is a continuation of sorts from last week's show where we were doing kind of a things that make you go hmm themed show based on some fun facts uh information that came from a recent ed slot conference that
1:57.5	jim attended it was a couple day conference recently in Orlando. And as usual,
2:04.6	Jim brings back a nice bag full of info that is of interest to a lot of people that are managing
2:15.2	this wild world of IRAs and retirement. So we're going to continue
2:20.8	on that. There were quite a few in the overall list of things. We got through about five of them
	...

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