Are Roth IRA Distributions Taxed? How To Avoid Penalties and Taxes on Roth IRA Distributions

Can your Roth IRA become taxable? Are distributions from your Roth IRA taxed? If you don’t follow two very specific rules, you could incur taxes and penalties on your Roth IRA distribution. That is what we are going to discuss in this weeks, Your Financial EKG™ blog.   

Roth IRA’s are supposed to be completely tax free. “SUPPOSED TO BE” is the key statement in that sentence. Roth IRA’s can become taxable and penalized if you don’t follow two specific rules. Those rules are the “5 Year Rule” and the “Under 59.5” Rule. Let’s dive into both.

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Drew Blackston CRC® RFC®

Drew is a registered Investment Adviser Representative and has earned the certifications of Certified Retirement Counselor®, Registered Financial Consultant®, licensed insurance agent and notary public for the state of Florida.

Originally from Kentucky, Drew moved to Florida for college and has worked in the financial services industry since graduating from the University of South Florida in 2009 with a bachelor's degree in business administration. He began his career focusing on market research, analysis and financial strategies and gained valuable experience in asset preservation and retirement planning.

Drew, along with his wife, Valerie, founded Pearl Wealth Group with a desire to help individuals and families with their retirement and financial dreams. Drew hosts the “Your Financial EKG” weekly podcast and YouTube channel and has created and trademarked his proprietary retirement process called the “Retirement EKG.” Drew has been published in Kiplinger Investment Magazine, featured in Forbes and been a financial guest on Spectrum News.

Drew resides in Tampa with his wife, two daughters, one son and two lovable dogs. Away from the office, he enjoys spending time with his family and taking them to the many beaches in the Tampa Bay area. Drew is also a huge fan of baseball and the Kentucky Wildcats.