No. of Recommendations: 1
Here is something to think about. Why not just open a traditional IRA and fund it. Don't worry about converting.

As you said, they're making serious money if they don't qualify for direct Roth contributions. That likely also means they don't qualify for deductible traditional IRA contributions. If they have to put money into a non-deductible traditional IRA, why would they want to keep the money in there instead of converting if there are no other IRAs to worry about? Do you like to pay taxes unnecessarily?

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