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<<I am assuming that if I make 0 dollars in 1998, move 100k to a Roth from a traditional, that I will pay 15 percent tax in each of the 4 years, even though year two, threee and or four I may have income that puts me in a 28 percent bracket. What I am getting at is the 15 percent tax rate frozen for 4 years? Also, assuming I will be in the 28 brackett at retirement in 14 years, am I being foolish to do the Roth, considereing that the taxes on the 100k could be growing for 14 years more before the 28 percent tax? Sorry for the winded reply, but I my accountant doesnt have the answers YET to many of my questions.>>

You presume incorrectly. If you have 0 AGI in 1998 and you use the 4-year spread on the conversion income, you'll be in the 15% bracket in 1998. In 1999, 2000, and 2001 your other income will be added to the $25K you must declare in those years. The rates will be those in effect in those years based on your total taxable income in those years. Thus, if you have $200K in other taxable ncome in 1999, the $25K conversion money makes that $225K, and your marginal bracket will reflect that fact by being well beyond the 15% range.

The second part of your question depends on a number of factors. However, paying the conversion taxes due from money other than the conversion IRA should make it more advantageous to you to use the Roth. For some comparisons, check this post in this folder or visit KAT's site for some further explanations on what's involved.( ).

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