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Mat Sorensen

Mat Sorensen is a lawyer, best-selling author, and a national speaker and expert on self-directed retirement accounts.


  1. Peter Miller
    August 12, 2019 @ 10:52 pm

    Thanks for the great article on RMDs. I am planning on taking out a Solo 401k and make contributions until I’m 70 years old. At 70 yo, I can roll over the 401k into a Roth IRA, and then with a Roth IRA, there are no RMDs correct? I was expecting you to cover this in your article at the end but didn’t see it.


    • Dmitriy Fomichenko
      November 7, 2019 @ 1:31 pm

      Peter you are correct, you can use this strategy to avoid RMD.


  2. Jim Franks
    December 21, 2019 @ 12:23 pm

    With the new SECURE Act of 2019 change to age 72 for RMDs (suppose this charge applies to not only IRAs but Roth Solo 401(k)s as well), can you establish a new Roth Solo 401(k) (still working as a sole proprietor consultant) post age 70 (but before age 72), then immediately roll to a Roth IRA (to avoid the RMDs)? Assume the five year rule does not negatively effect this transaction. Can I do this same thing (additional annual Roth Solo 401(k) contributions) during the year I attain age 72 and after (still working) and get around the RMDs? I know the 5 year rule applies later on for distributions.


    • Dmitriy Fomichenko
      October 20, 2020 @ 3:49 pm

      Jim, you would have to refer to the plan documents to confirm plan rules for the rollovers.


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