Direct answer
You must clear out pre-tax IRA balances before converting, often by rolling them into your employer's 401(k) or 403(b).
To keep the conversion tax-free, you cannot hold pre-tax balances in Traditional, SEP, or SIMPLE IRAs. We help you clean up your account architecture — often by rolling old pre-tax IRAs into your current employer's 401(k) or 403(b) — before executing the strategy.
This content does not constitute formal legal or tax advice; consult a qualified CPA or tax attorney prior to implementation.
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