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[[The question (and the question mark) were in the subject line! I am trying to decide wheter or not
to convert my traditional IRA to a Roth IRA. I would appreciate your opinion. Is this a good
enough question?]]

The conversion issue is very, very personal. And can be made for tax and non-tax reasons alike. And what may be a good decision might not be a good one for you.

So all you can really do is accumulate the information, weigh all of the pros and cons, and make your decision.

The conversion decision rests on a number of factors such as tax rates today versus those of tomorrow, how you would pay taxes due on the conversion, how long the money can stay in the converted account, and the size of your estate. It's a unique situation for everyone for which there is no "one size fits all" answer. See TMF Pixy's analysis at: to look at some factors that you need to consider. It will give you food for thought as you work through this decision.

You might also want to look at some other points of view. Two of the very best places to pick up this information would be at the Fairmark tax site ( and the Roth IRA site (

Hope this helps you with your decision...
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