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Last year when the conversion to a Roth IRA had advantages I was going to convert my IRA to a ROTH IRA. I got the forms and as I read through the literature the further I read the more disappointed I became. Unless I read the information wrong it looked as if I did not qualify to roll my IRA into a Roth IRA and defer the taxes over the 5 year period. I'm not complaining as to why. (my wife's and my income gross was over $100,000.00)

My question is this. Although I could not get the defered tax advantages would I be better off in the long run to convert to a Roth IRA or leave it where it is and start a Roth IRA?
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