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Emergency funds: Yes Debt: Aside from 2 mortgages (2.875% ARM on $150,000 and 4.125% 30 year fixed on $205000 - looking to refinance this to around 3%), I have no debts. Tax Filing Status: Single Tax Rate: 28% Federal, 5 or 5.25% MD State of Residence: MD Age: 25 Desired Asset allocation: 90% stocks...

I've made a backdoor of $5500 ROTH IRA contribution for 2013 and I have a ($30,000) tIRA that resulted from a rollover from an old employer (I have not rolled this into my employer's 401k yet..so I've made the backdoor ROTH contribution while my basis included the tIRA). Does timing of the ROTH IRA ...