If you are over a certain age, you must take your Required Minimum Distribution (RMD) before you can convert your Traditional IRA to a Roth IRA. The conversion process on our website includes a step to do this. Note that IRS rules allow you to take your total RMD from one or more IRA accounts, including those not held at Betterment. Therefore, you can choose to take your RMD from Betterment or from a different IRA account. People who do not take their RMD on time face penalties from the IRS. ...