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I have read in several places that one can convert a traditional IRA to a Roth IRA only if their joint AGI is less than $100,000 in the year of conversion. My joint AGI will be lower than $100,000 this year because of a pretax contribution to a 401k. Knowing how the IRS works, I'm not sure that they allow you to reduce GI by retirement contributions in determining AGI for the purpose of meeting the $100,000 test. Does anyone know for sure?
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