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My guess then is that you can't do a TIRA to Roth conversion that is not trustee-to-trustee within a yr of a previous rollover. From Pub 17 (emphasis mine): Conversions You can convert a traditional IRA to a Roth IRA. The conversion is treated as a rollover, regardless of the conversion method used...

Publication 590 states that a rollover from one IRA to another is subject to a waiting period. Specifically, on page 23, it states: "Waiting period between rollovers. Generally, if you make a tax-free rollover of any part of a distribution from a traditional IRA, you cannot, within a 1-year per...

[quote="investor1"][quote="retiredjg"]Alan S. posted this link in a different thread. I think it has the answers to your original questions - in the Executive Summary. http://retirementlc.com/documents/20120528ReportingDistributionsofAfter-TaxContributions.pdf[/quote] Thanks! ......

FinancialDave, there are two links posted by Alan S and retiredjg that shed much light on the rollover of 401(k) after-tax contributions+earnings into a Roth IRA. These links are: http://www.texastaxsection.org/LinkClick.aspx?fileticket=4uCK%2F6VP2gQ%3D&tabid=80 http://retirementlc.com/documents...

Alan - thank you! I think I get it now. In the eventuality that there are earnings in box 2a, the taxpayer would have to pay the regular income taxes and the 10% penalty for early withdrawal on them - right? Your point on what happens post separation is very interesting. My plan (is this true for mo...

Alan S, and others: I have gotten myself very confused on this topic. On the one hand, it looks like several Bogleheads are performing rollovers of their after-tax 401k dollars into ROTH IRAs. On the other hand, the Fairmark article (http://www.fairmark.com/rothira/09030801-401k-basis.htm) points ou...

The calculations are tedious and depend on whether you have a qualifying or a non-qualifying disposition.
The following has a pretty good explanation of what you have to do:
http://fairmark.com/execcomp/espp/dispositions.htm

Good luck

I have a friend who has exactly the same problem you have, (albeit with a significantly smaller savings amount per year and assets). Reading the OP, a couple of things leap out at me: 1) You state your savings were 200K last year which amounted to 80% of your income. Are you sure this is correct? Af...

Two points: 1. Personally, I like the "insurance" of having an investment advisor who can take care of my family's finances should something happen to me. 2. LadyGeek is 100% correct. Ultimately, you are the ONE person who has their best interests at heart. But these two do not have to be ...

[quote]For those who insist that they need to calculate it, my question then is: How do you plan to use this number once you calculate it?[/quote] I calculate this number for a couple of reasons. It acts as a sanity check against a set of benchmark(s). It helps me determine whether I am on track for...

Can anyone comment on whether their retirement plans include DFA funds? I've heard that some companies do offer DFA funds.

So what happens if you report interest on an accrual basis but then end up using the redeemed funds for an exempt purpose (such as higher education)?

Not only is the tax on interest deferred until when the bond is redeemed, it is also exempted if the proceeds are used for higher education. There are many subtleties in the rules (income exclusions), but this is definitely worth considering as the fixed income component of a college savings plan. h...

So here is something that has been bothering me while reading this thread. As many here have indicated, a true Boglehead should (1) identify their risk tolerance, (2) pick an asset allocation, and (3) rebalance periodically so as to meet that asset allocation. But isn't rebalancing to the chosen ass...

Finally, I did not find in the paper where it details the 50/50 approach. Since it is the basis of comparison for the thesis, is it not meaningful to know whether the 50/50 allocation is rebalanced daily, weekly, annually, or bi-annually? (newbie, so system does not let me paste link to the paper) ...