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"I'm still unclear about one thing--I must rollover my community retirment money into a traditional IRA and then recharacterize? Why can't it just go directly into a Roth IRA?"

It doesn't make a lot of sense but those are the rules.

"Oh, and one other thing. Two of you mentioned an adjusted GI of $100,000 to recharacterize the traditional back into a Roth. I thought the AGI for a Roth was $150,000? There is a different limit for recharacterization, I assume?"

You assume correctly. Also, this is true whether you are single or married filing a joint return, even if you get married during the year but *after* you have recharacterized. I believe you are not allowed to recharacterize at all if you're married filing separately.

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