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Earlier this year, I contributed to a non-deductible IRA so that I could ultimately convert it to a Roth IRA. However, I also have deductible IRAs (all of them are previous 401Ks converted to IRAs). My understanding is that if I convert an IRA to a Roth IRA, I need to aggregate all non-Roth IRAs (deductible and non-deductible) to determine what % of IRA money is taxable. In other words, you are not allowed to just convert the non-deductible IRA money to a Roth IRA - you have to convert a % of each the deductible IRA and non-deductible IRA monies based upon their % of your overall combined IRA value.

Now then, to get around this, could I transfer all of my deductible IRAs into a 401K or 403B account BEFORE I convert to a Roth IRA so that the only thing left to convert is, in fact, the non-deductible IRA? This way, I wouldn't have to pay any tax (at least now now during the conversion).
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