One Rollover per 12-month Rule | Ed Slott and Company, LLC

One Rollover per 12-month Rule

My 75 year old client is within 60 days of having taken RMDs from his IRA and his solo 401(k). We're doing a rollover of his IRA distribution back into the IRA. Since the other RMD he took was from a 401(k), can he roll that distribution back in it, or does the one-per-twelve-month rule apply as if both RMDs came from an IRA?

The solo K distribution is not subject to the one rollover limit, so that can either go back to the solo K or could be rolled over to the IRA and would not be counted.

 

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