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Who knows? But the tax law is very clear: It must first go to a traditional "Conduit" IRA, and then from there you can roll it into any existing IRA, traditional or Roth. Just remember it will reduce your refund, or increase your tax paid, to convert to a Roth.

AGI for roth CONTRIBUTIONS by MFJ is $150,000. AGI for Roth CONVERSIONS is $100,000, no matter what filing status.

Check out the IRS website or for more info.

Recharacterization can only be done to "undo" a previous conversion of a traditional IRA to a Roth. There is no income limit, just a time limit. (I think recharacterization also lets you change an IRA that you opened this tax year from one type to the other, if you meet the qualifications for contributions to the second IRA.)
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