RMD
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You can leave the existing Vanguard Roth exactly where it is and send only future contributions to a Robinhood Roth. The annual IRA limit is shared across all of your IRAs, though, so opening a second account doesn’t create additional contribution room.For 2026, Robinhood currently offers 1% without Gold or 3% with Gold. If you’re under 50 and contribute the $7,500 maximum, that’s $75 without Gold or $225 with it. Gold costs $60 per year, so if you subscribe solely for the IRA match, the 3% option is worth $165 net, only $90 more than the free 1% match.The conditions matter more than tracking two statements. The assets that earned the match generally need to remain in the Robinhood IRA for five years, Gold must be maintained for at least one year to keep the additional match, and transferring out can trigger match-removal rules plus Robinhood’s current $100 ACATS fee. The match rate can also change for future contributions.
One correction on the complexity side: Roth IRA owners don’t have lifetime RMDs, so you wouldn’t have two RMD calculations to manage. If both accounts hold VT, the investment strategy remains the same; you’re only splitting custody..So this is reasonable if you’re comfortable maintaining a second account for at least five years. If simplicity is worth more to you than roughly $75-$165 a year, staying entirely at Vanguard is also a perfectly coherent choice.

well yeah, if the 401k is invested it will grow… making a forecast for that growth and understanding the RMD and total tax burden is one side of the equation for determining if roth conversions are worth it.

Yes sir. I have done some. However, I really missed the boat by not doing larger ones before the RMD's kicked in.

Some have talked around this but none directly. If the owner died before she was obligated to take a RMD, usually before age 72, and her death was recent, then the money/investment can stay in tact for the full 10 years - no annual RMD. Just need to zero the account - inherited IRA - by the end of the 10th anniversary. This was a tax change announced in 2025.
I kept my response a little vague as I didn’t look up the details. But what I wrote is accurate as far as it goes.

DECK, INTU, RMD, ICE, ISRG lead on strength (opportunity + durability), TMUS, FISV, DECK, CMCSA, INTU lead on expected annualized return. All these stocks definitely have their own significant drawbacks and I don’t hold positions in any, but I’m seriously considering an entry into DECK, think the negativity got overblown. INTU I don’t trust long term because of AI but entry position is great rn, those were the only 2 stocks that lead on both opportunity + durability scores with an expected fantastic annualized return.

A few thoughts: 1) Sorry for your loss. 2) did she pass in 2026? Assuming so, learn from the custodian if she was required to take an RMD, and if so, did she take her RMD in 2026. If not, you’ll need to take an RMD for year 2026. 3) learn the facts about RMDs… ask ChatGpt or other research. If you’re at all savvy, you’ll learn the RMD for you is simply the account balance at end of the prior year (or your portion of that balance) divided by the divisors presented in IRS Circular 590 B, Table I. If you’re, say, 35, your RMD this year would be \~ $40,000/50.5, which is less than $1,000. Recognize the longer you can invest tax-deferred, the better. Don’t rush withdrawals unless you need the $. 4) if she passed in 2026, you will need to empty this account by year 2036. Yes, if the account grows substantially, you may decide to take larger RMDs for tax strategy purposes later on. 5) speak with a Fidelity rep to learn how to liquidate assets (from investment into cash) in order to make the withdrawal. And finally, 6) if this IRA is a Roth, you will need to empty account within 10 years, BUT, you would NOT need to take RMDs during the 9 years leading up to the 10th, AND, there will be no taxes upon withdrawals. Hope this helps.

I've got to agree with most of the other posts here. I started investing when I was about your age and I'm 73 now. I retired comfortably with a lot of money, but the taxes on the RMD's (Required Minimum Disribution) required on the IRA is killing me. If I want to pull more money from the IRA beyond the RMD, the taxes go even higher. Roth accounts became available relativly later in my career and I never took advantage. So, if you are looking forward to your older self in retirement, max out the Roth first.

For not knowing what you are doing you are pretty well set up.
If I see this correct you have 1.5M deferred income. If you convert 50k a year, it will continue to grow more than that. This eventually will be a large RMD at 75. I know that's 15 years away, but consider larger Roth conversions in the next few years. I just ran a model and you could have an RMD of 190K a year.
I have the same problem, and I am converting up to the 24% tax bracket for several years to correct it. I am doing this at age 59, 60, 61 and 62. Retiring at 60. The way I see it is I pay the tax now when it is historically low, or I pay the rate at 75 when I might be filing single.
Then I am going to use my brokerage funds to get me several years of no federal tax. MFJ about 100k of LTCG is 0 tax rate, but that is total income. All pending health insurance rates, deductions, etc.
For your Investments, might want to consolidate down to index funds. But of course this can be a tricky tax situation.