How to Use Your 401(k) to Convert Only Your IRA’s Nondeductible Basis to Roth
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If you have an accepting employer plan, you could consider rolling the pre-tax funds into your 401(k) this year while converting your nondeductible basis cleanly to a Roth IRA.

Q&A: Can I Do a Backdoor Roth and a Reverse Rollover to a 401(k) In the Same Year?
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This person has an IRA balance, but is about to empty it with a reverse Rollover. So the question is one of timing: can they do the IRA Rollover before the nondeductible contribution so that their cream and coffee never mix?

Help! I Inherited a Nondeductible Basis!
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If you inherit a traditional IRA from a person who had a basis in the IRA because of nondeductible contributions, that basis remains with the IRA assets as they come into your ownership.

Q&A: Should I Donate QCDs When I Have a Nondeductible Basis?
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Luckily for the charitably-inclined individuals with nondeductible balances, QCDs are excluded from your Form 8606 taxable and nontaxable calculations.

Q&A: Can I Do Backdoor Roth and an IRA Rollover In the Same Year?
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This person has no IRA balance, but is about to get one with an IRA Rollover. So the question is one of timing: can they do the IRA Rollover after the nondeductible contribution has already been converted so that their cream and coffee never mix?

Do Large Roth Conversions Require Backdoor Roth Contributions?
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Luckily for Roth lovers like us, you don’t have to choose between Roth conversions or Roth contributions.

You Can Still Do A Backdoor Roth After the Tax Cuts and Jobs Act
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Under the Tax Cuts and Jobs Act, you are still allowed to make nondeductible contributions and still allowed to convert IRA assets to Roth IRA.

When You Should Not Do a Backdoor Roth
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Like how diner coffee gets more bitter as the waitress tops off your cup with more coffee from the pot, so too the growth on your nondeductible assets increases your tax owed by decreasing the percent post-tax assets in your cup.

After-Tax IRA Contributions Must Be Reported On IRS Form 8606
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The backdoor Roth strategy involves contributing after-tax funds to a traditional IRA.

What is a Backdoor Roth?
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Even over the income threshold, you may still be able to add funds to your Roth IRA with what is called a backdoor Roth.

Taxes on Non-Deductible IRA Contributions
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“Once you put cream in the coffee, all coffee removed from the cup is partly cream and partly coffee.”

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