Originally Posted by
sydneyracquelle
I am DM with 200k to rollover. I will organically hit 28k MQD in calendar 2024 but the way I look at it is I am locking in 2026 DM (earned in calendar 2025) in exchange for foregoing 100k SM as no one knows what the 2026 DM MQD requirement will be (probably in the range of 28k to 35k MQD).
this is an important case as the example. If you will organically qualify for DM for next year you cannot use your excess rollovers for only a year of your choosing. It is cumulative. You must use 200k to get next year AND the year after. Ie the 2026 year for rollover 'free' will cost you 200k instead of 100k. They'll use the 100k for 2025 calendar (even though it's not needed) and then the next 100k for the next year.
You cannot leapfrog a year just because. The rollover banked year is all or nothing.
If you rollover 1 year it will be for and MUST be for only calendar 2025.
If you rollover 2 years
..it will be calendar 25, and 26.
Etc.
Make sense?