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<< Another question is if you have an open Roth IRA (above situation), can you then rollover a 401(a) plan into it? My guess would be no since you can no longer contribute to it. >>

I have one thing to add to Chris' response, which was accurate. The AGI limit for converting a traditional IRA to Roth is $100,000. Thus, if you have too much income to contribute to a Roth, you'll also (probably) have too much income to convert.

Phil Marti
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