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Schedule an appointment. 844.375.7027. There is a single, 5-year holding period when determining whether earnings can be withdrawn federal (and, in most cases, state) income tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.

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Bank of America branches are typically open on weekdays from 9 a.m. to 5 p.m. Some branches open later, at 10 a.m., and close …

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