You save the most if you don't have pre-existing traditional IRA balances that need to be included in your tax bill, or if your employer's qualifying plan allows deductible IRA balances to be reinvested. With a clandestine Roth IRA, a person makes a non-deductible contribution to a traditional IRA and then converts that account into a Roth IRA. Under the pro rata rule, IRA conversions are taxed in proportion to the amount of taxable contributions in all IRA balances.
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