Bill I agree it would have been better to use your sequence - but I had no idea I was going to move the funds when the conversion happened (we fired a financial advisor). To get the funds I wanted, it was necessary to have accounts at Vanguard. And finally there would have been no desire for the re-conversion had I not stupidly sold a large capital gain holding in a taxable account. ==============================Don't kick yourself too hard about gains. We should all be so stupid.Bill
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