Other Options for Isolating after tax IRA Contributions
I was able to transfer the pre-tax amount in my TIRA to my employers 401k which allows such transfers, thereby allowing me to convert to my Roth at zero tax all the after-tax money I had comingled in this IRA over many prior years.
My question now pertains to my spouse who is no longer working and no longer has a 401k (it was rolled into her TIRA when she quit). Does she have anywhere to “park” her pretax money so we can also move (convert) her after tax dollars to her Roth?
Permalink Submitted by Alan - IRA critic on Tue, 2021-09-14 16:01
There are no other options to isolate her TIRA basis, other than perhaps doing QCDs (must be 70.5) which are distributed with only pre tax dollars.