Search found 4479 matches

by Duckie
Sat Feb 25, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and tax questions
Replies: 2
Views: 251

Re: Backdoor Roth and tax questions

To enable backdoor roths I transferred a rollover IRA to my employers 401k plan. I have a 1099-R form with the amount distributed to my employer but no details about where it went? Do I need some documentation for my accountant? Just give your accountant the 1099-R and tell him it went from an IRA ...
by Duckie
Sat Feb 25, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions - wife starting new job
Replies: 4
Views: 300

Re: Portfolio questions - wife starting new job

Funds available in his 401k The best options are: ⋅ Vanguard Inst Index Fund Inst (VINIX) (0.04%) -- Large caps, 80% of US stocks ⋅ Vanguard Extended Market Inst (VIEIX) (0.07%) -- Mid/small caps, 20% of US stocks ⋅ Vanguard Tot Intl Stock Ix Inst (VTSNX) (0.09%) -- Co...
by Duckie
Sat Feb 25, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-R Roth to Traditional Tax Questions
Replies: 4
Views: 210

Re: Vanguard 1099-R Roth to Traditional Tax Questions

That makes sense.....So do I need to do anything on my end when filing taxes, or is the submitted paper work from Vanguard to IRS all that is necessary? Since you earn too much to contribute to a Roth IRA directly you probably can't deduct a TIRA contribution either. In that case make the contribut...
by Duckie
Fri Feb 24, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4395

Re: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]

MittensMoney wrote:I'm a little confused, why would anyone pay 0.11% for VTIAX when VTI is only 0.05%?

Because VTI is total US stock and VTIAX is total international stock.
by Duckie
Fri Feb 24, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks for AA advice - new to the game
Replies: 14
Views: 707

Re: Thanks for AA advice - new to the game

In terms of international, what do you make of the jlcollins argument that VTSAX includes international exposure and therefore it's not necessary to further invest in international funds? Some US stocks/funds have international exposure, but some international stocks/funds have US exposure. In both...
by Duckie
Thu Feb 23, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Another Backdoor Roth - Tax filing question - TT
Replies: 11
Views: 470

Re: Another Backdoor Roth - Tax filing question - TT

I did use 2015 TT deluxe to file returns and I do see an option to do amend. Just not sure if have to do it though, as you said its not going to change my tax amount. When you use the backdoor method in TurboTax you have to remember to input both actions. You made a non-deductible contribution whic...
by Duckie
Wed Feb 22, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks for AA advice - new to the game
Replies: 14
Views: 707

Re: Thanks for AA advice - new to the game

Total Retirement: low five figures Taxable 5% Betterment - Vanguard ETFs 91/9 – second % =fund fees per year + .25% annual fee on average balance US Total Stock Market: VTI16.4% 0.05% US Large-Cap Value: VTV 16.4% .08% US Mid-Cap Value: VOE .2% 0.08% US Small-Cap Value: VBR 4.6% 0.08% Developed Mar...
by Duckie
Wed Feb 22, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover 401k into something. Need options.
Replies: 2
Views: 160

Re: Rollover 401k into something. Need options.

jb1239 , welcome to the forum. My wife, who is currently a stay at home mom, has a 401k from her former employer in a Principal account. What are my options for rolling this over into a Vanguard account and which one(s) should I choose? You contact Vanguard and have them pull the old 401k assets in...
by Duckie
Wed Feb 22, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Asset Allocation - Retiring in 5 years
Replies: 3
Views: 470

Re: Advice on Asset Allocation - Retiring in 5 years

rapsevl , welcome to the forum. New Annual Contributions: 403b: maximum that I can. Currently 90% of contributions to Bond Fund What is "maximum that I can"? Can you not afford the $18K max? Taxable/Rollover IRA: No new money can be added Because you can't afford to add more or for some o...
by Duckie
Wed Feb 22, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Report all Roth contributions?
Replies: 8
Views: 739

Re: Report all Roth contributions?

I googled for the 8606 instructions. The instructions for Line 19 (where you report Roth distributions) say " Don’t include on line 19 any of the following. ...(list of things)... Distributions made on or after age 59 1/2 if you made a contribution ... for any year from 1998 through 2011."...
by Duckie
Wed Feb 22, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Basic 401k, IRA questions
Replies: 2
Views: 238

Re: Basic 401k, IRA questions

kjsammy wrote:What is the benefit of the Roth 401k if there are RMDs? I thought that was the benefit of Roth (after no tax on growth).

Once you retire you can roll that Roth 401k into your Roth IRA. Then there are no RMDs.
by Duckie
Tue Feb 21, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Tax return for Roth IRA recharacterization and subsequent backdoor Roth contribution
Replies: 5
Views: 183

Re: Tax return for Roth IRA recharacterization and subsequent backdoor Roth contribution

Just so I'm clear, in this situation, what should form 8606 look like so I can check it when I'm done and TurboTax generates it? I already deleted the dummy return so the following may not be exactly how TT did it, but here's how it looks on the paper form : Part I 1 5,500 2 0 3 5,500 6 0 7 0 8 6,0...
by Duckie
Tue Feb 21, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tax return for Roth IRA recharacterization and subsequent backdoor Roth contribution
Replies: 5
Views: 183

Re: Tax return for Roth IRA recharacterization and subsequent backdoor Roth contribution

TheIndexer wrote:Thanks.

That all looks good. I ran a dummy TT return. With $5,500 as the "recharacterized" amount, $5,500 as the non-deductible amount, and $6,000 as the converted amount, Form 8606 came out correct.
by Duckie
Tue Feb 21, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Tax return for Roth IRA recharacterization and subsequent backdoor Roth contribution
Replies: 5
Views: 183

Re: Tax return for Roth IRA recharacterization and subsequent backdoor Roth contribution

TurboTax is telling me I made an excess contribution of ~$500. I don't think this is correct, because the recharacterization from Roth -> tIRA was as if I had made a $5500 contribution to the tIRA, had it invested in the same things as I did in the Roth, and had gains of $500. 1. Is my understandin...
by Duckie
Tue Feb 21, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth After Rollover of All Pretax Funds
Replies: 4
Views: 220

Re: Backdoor Roth After Rollover of All Pretax Funds

As indicated in past threads (https://www.bogleheads.org/forum/viewtopic.php?t=170619), when I talk to Vanguard about this, they say they don't know what the mix of funds in my account is--i.e., they can't tell me how much is pre- and how much is post-tax. This strikes me as bizarre since they'd ha...
by Duckie
Tue Feb 21, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Comp plan
Replies: 2
Views: 239

Re: Deferred Comp plan

She said she cannot contribute to the 457 anymore(although I couldn't find anything suggesting this) A 457 plan is an employer plan. Since she is retired she cannot contribute to it anymore. and she wants to transfer to something she can put more money into and put it into some better funds. Does a...
by Duckie
Tue Feb 21, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Edward Jones to Vanguard
Replies: 22
Views: 1541

Re: Moving away from Edward Jones to Vanguard

How can I find out If I can move them "in kind" or not? You can do this yourself. Type the ticker symbol into the left box here and see what happens. For example: ⋅ ( PHIYX ) -- Vanguard will take it but you'd probably need to meet the $25K minimum. ⋅ ( CMGIX ) -- Vang...
by Duckie
Tue Feb 21, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Tax question
Replies: 2
Views: 111

Re: Backdoor Roth Tax question

I've already done a backdoor roth for 2017, but how do I go about handling my 2016 taxes? You fill out Part I of IRS Form 8606 and file it with your 2016 taxes. Since the Roth IRA assets were recharacterized as TIRA assets, the form (assuming you have no prior basis) should look like this: Line 1 -...
by Duckie
Mon Feb 20, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Options
Replies: 5
Views: 233

Re: 401K Options

noelgally , welcome to the forum. Just wanted to see if I could get some advice on my 401K options. Without knowing the plan expense ratios your best options appear to be: ⋅ Blackrock Russell 1000 -- Large/mid caps, about 90% of US stocks ⋅ Blackrock Russell 2000 -- Small caps, ...
by Duckie
Sun Feb 19, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing, [21 years old]
Replies: 14
Views: 799

Re: New to Investing, [21 years old]

I'm thinking for the $7k in the Roth: 80% VTSMX 15% VGTSX 5% VBMFX You can't. All three funds have a $3K minimum, so you could only hold two of them. At this stage you're better off holding the same Vanguard Target Retirement 2060 in both your Roth 401k and Roth IRA. Later, when you have more asset...
by Duckie
Sun Feb 19, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Recommendations
Replies: 4
Views: 351

Re: Portfolio Recommendations

SetToInvest , welcome to the forum. Desired asset allocation: 82% stocks, 18% bonds <snip> Roth 401K: Vanguard Target Retirement 2040 (VFORX) If you want to keep the TR fund pick one with more bonds. HSA: VANGUARD TOTAL STOCK MARKET INVESTOR (VTSMX) Do you use the HSA for current expenses or do you...
by Duckie
Sun Feb 19, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check 8606 Cost Basis
Replies: 3
Views: 469

Re: Double Check 8606 Cost Basis

Besides the non-required information, do lines 2 and line 14 look correct? Lines 2 and 14 look correct. It's just not 100% clear to me whether I should include my 401k to traditional IRA rollover balance on line 2 (which would change line 14 too). The instructions for line 2 state that it should be...
by Duckie
Sat Feb 18, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check 8606 Cost Basis
Replies: 3
Views: 469

Re: Double Check 8606 Cost Basis

Line 1: 5500 Line 2: 0 Line 3: 5500 Line 4: 5500 Line 5: 0 Line 6: 1200 Line 7: 0 Line 8: 0 Line 9: 1200 Line 10: 0 Line 11: 0 Line 12: 0 Line 13: 0 Line 14: 5500 Line 15: 0 Is this from your 2014 Form 8606? Because if 2014 was the first year you made a non-deductible contribution and you didn't co...
by Duckie
Sat Feb 18, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance - advice
Replies: 5
Views: 1051

Re: Inheritance - advice

I plan on gifting 30k to my mother <snip> Can I write her a check without worry of her or I incurring any unforeseen tax? I am not going to lump sum it over, but instead planned a 2k a month for 15 months or something along those lines. You can give $14K per person per year without any tax filings....
by Duckie
Sat Feb 18, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with overall review
Replies: 4
Views: 373

Re: Help with overall review

His 401k @ Fidelity: ~$185k FID 500 Index INST - 51% FID EXT MKT IDX PR - 13% VANG TOT INTL STK AD - 16% VANG TOT BD MKT ADM - 20% Currently contributing $15k per year, with ~$17k in contributions from employer <snip> Her 401k - wife is going back to work part time with new baby. She works at a sma...
by Duckie
Sat Feb 18, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out Roth - Backdoor conversion same year?
Replies: 4
Views: 334

Re: Maxing out Roth - Backdoor conversion same year?

If I choose to execute a backdoor Roth from my newly established tIRA, would I still be able to max out my contributions to my Roth IRA this year? For example, if the tIRA has a balance of $3000 and I convert it to a Roth, would I still be able to contribute an ADDITIONAL $5500 directly to the Roth...
by Duckie
Fri Feb 17, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Work Matching Choices at Voya
Replies: 2
Views: 221

Re: Advice for Work Matching Choices at Voya

skarnuli , welcome to the forum. I started a new job in May of 2016 and my employer offers IRA matching through Voya. Are you sure it's an IRA matching? Age: 40 Desired Asset allocation: 80% stocks / 20% bonds (Not firm on this) Desired International allocation: 20% of stocks (Not firm on this) 20%...
by Duckie
Fri Feb 17, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions? (Trying to simplify/reorganize)
Replies: 2
Views: 310

Re: Portfolio Suggestions? (Trying to simplify/reorganize)

Cieren , welcome to the forum. Biggest questions are: should I really be considering Roth vs Traditional IRA contributions at this point (I'm going to be changing our contributions to our 401(k)/403(b)s so that we're only hitting up to our max match % - we're both well above that and I'm not sure t...
by Duckie
Wed Feb 15, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help Making Sense of My Portfolio
Replies: 3
Views: 265

Re: Help Making Sense of My Portfolio

Will retire in March 2017, have been in the accumulation phase for last several years and now need to sort this out. That is why there are so many stocks in the taxable account. I have thought about liquidating the two Fidelity PAS managed accounts and managing them myself and save the 1% fee. Yes,...
by Duckie
Wed Feb 15, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding changing cost basis
Replies: 2
Views: 148

Re: Question regarding changing cost basis

flashfyer wrote:That said, if I make that change, do I just keep track moving forward or will I need to go back and figure out the tax lots for what we have purchased so far?

If you haven't sold anything yet there's no problem. The type of cost basis only kicks in when you sell something.
by Duckie
Wed Feb 15, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Re-Balancing
Replies: 4
Views: 340

Re: First Time Re-Balancing

clown wrote:What does 5% mean? For example if you want to be at 65% in Investment X -- is the threshold 5% of 65%, or is in 5 % of the whole portfolio?

If you want to be at 65% in Investment X then being off 5% is when it gets down to 60% or up to 70%.
by Duckie
Tue Feb 14, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Self-employed 401k/IRA eligibility
Replies: 7
Views: 296

Re: Self-employed 401k/IRA eligibility

I have both a Roth IRA and a Rollover IRA at Vanguard. Does that change my options? Can I roll my SEP or Solo 401K contributions into the Rollover IRA and keep them tax-deferred, or is converting to the Roth my best bet? If you have a SEP IRA for ongoing contributions, you can roll your Rollover IR...
by Duckie
Tue Feb 14, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Another Roth Rollover question
Replies: 5
Views: 356

Re: Another Roth Rollover question

bamajo , welcome to the forum. Will this cause me to have to pay more taxes again on the 5500? If you contribute $5500 (non-deductible) for 2016 before mid-April (and file IRS Form 8606 with your taxes/or separately if your taxes are already filed) and then convert the $5500 plus the $3500 you will...
by Duckie
Tue Feb 14, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help me sort out my Asset Allocation and Investments
Replies: 1
Views: 215

Re: Help me sort out my Asset Allocation and Investments

His 401K - American Funds New Perspective R6 - $44,000 Vanguard 500 Index Institutional Select - $55,000 Vanguard Growth Index I - $24,843 Vanguard Mid Cap Index InstlPlus - $45,467 Vanguard Total Bond Market ETF - 153,520 Vanguard Total Stock Market Idx I - 74,737 Vanguard Value Index I - $77,090 ...
by Duckie
Tue Feb 14, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20165

Re: Wow, Vanguard Flagship service is bad. Really bad.

Below are the the funds (with expense ratios) I use or ever plan to use at Fidelity. These can be used to construct any reasonable Boglehead portfolio. <snip> Mutual Funds FSTVX US total market 0.05% FUSVX S&P 500 0.05% FSIVX Total Intl 0.12% FPMAX Emerging markets 0.18% FSITX total US Bond 0.0...
by Duckie
Sun Feb 12, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA for 2016 and 2017 in 2017
Replies: 15
Views: 1199

Re: Backdoor Roth IRA for 2016 and 2017 in 2017

As a trial, I updated our tax return in TaxAct under "non deductible IRA contributions". I entered $5,500 for myself and $5,500 for my wife. TaxAct generated 2 identical 8086 forms for us. They each look like below. Does this look good? Looks good to me. I believe based on your comment ab...
by Duckie
Sun Feb 12, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Contributions
Replies: 15
Views: 1063

Re: Backdoor Roth IRA Contributions

ximmortla wrote:I know that there is a maximum contribution to a 401k per year. Would a rollover to a 401k count against this contribution?

No. A rollover is not a contribution.

Would there be additional fees to rollover to a 401k?

Unlikely. Although some IRA custodians have a fee to close the account.
by Duckie
Sun Feb 12, 2017 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA for 2016 and 2017 in 2017
Replies: 15
Views: 1199

Re: Backdoor Roth IRA for 2016 and 2017 in 2017

I'm working on exactly the same scenario but my wife and I both have old tIRAs with about $7k in each of them. If I roll them into our individual 401k's before April 2017 and then handle the backdoor Roth contribution/conversions will I create any negative tax consequences? As long as your TIRAs ar...
by Duckie
Sat Feb 11, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Contributions
Replies: 15
Views: 1063

Re: Backdoor Roth IRA Contributions

This means, when I look at the activity associated with my tIRA, there are a number of transactions that are typed "2017 TRAD CONTRIBUTION" that are transfers from my Joint account on 01/10/2017 and then on 01/13/2017 there are a number of transactions with type "PARTIAL CONVERSION T...
by Duckie
Fri Feb 10, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Yearly Check-In
Replies: 8
Views: 878

Re: New Investor Yearly Check-In

Is it necessary to own International Stocks? No, it's not necessary. But it does provide diversification. Do US Stocks not have enough exposure to "capture" the international market? No, they don't have enough exposure. If you want the international market you'll have to own international...
by Duckie
Fri Feb 10, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 828

Re: Does anyone know what the AXA 403(b) fees are?

AXA is the main annuity provider at my school district. Just because it's the main provider doesn't mean it's the only one. Are there others? The problem is I've been looking for AXA's fees for the last hour and can't find any comprehensive information on management fees. Looking at the "Plan ...
by Duckie
Fri Feb 10, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: AFBN Roth vs Roth TSP
Replies: 1
Views: 128

Re: AFBN Roth vs Roth TSP

Napsterxd , welcome to the forum. I guess my question is should I ride out the life insurance and keep Roth IRA going or should I cancel the Roth I don't know if you should cancel the life insurance but can you stop contributing to that particular Roth IRA? You can always open a Roth IRA at a diffe...
by Duckie
Fri Feb 10, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing for kids and retirement
Replies: 2
Views: 346

Re: Help with investing for kids and retirement

Meg2004 , welcome to the forum. What would be good funds to invest for both IRA and non IRA accounts. If you're putting $200K in rollover IRAs and $200K in taxable, using your percentages a simpler portfolio would be: Taxable at Vanguard -- $200K -- 50% 25% ( VTI ) Vanguard Total Stock Market ETF (...
by Duckie
Thu Feb 09, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle overcontributing to Solo 401K?
Replies: 17
Views: 831

Re: How to handle overcontributing to Solo 401K?

DTSC wrote:For some reason, the system won't let me send a PM - it remains stuck in the outbox.

Messages you send stay in the Outbox folder until the recipient reads them. Then they go into the Sent messages folder. A message still in the Outbox folder may be edited or deleted.
by Duckie
Thu Feb 09, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Backdoor Roth
Replies: 1
Views: 182

Re: Help With Backdoor Roth

My understanding is that we should be free to do this Roth conversion without any negative tax implications since we don't have any traditional IRAs - just want to make sure my understanding is correct? Well, it's not just Traditional IRAs. IRAs titled Rollover IRAs, SEP IRAs, and SIMPLE IRAs are a...
by Duckie
Tue Feb 07, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth, existing Rollover, form 5498 and 8606
Replies: 2
Views: 253

Re: Backdoor Roth, existing Rollover, form 5498 and 8606

can I submit the 8606 form now, before I get an updated 5498 to reflect my 5500 contribution, or do I need to wait? Form 5498 won't come out until May. She can fill out Part I of Form 8606 now for the 2016 non-deductible contribution (that was made in 2017). does that rollover, stated above, compli...
by Duckie
Sun Feb 05, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 727

Re: U.S. vs. International index in taxable account

Triple digit golfer wrote:I know the tax computation is correct because I was able to back into it, but I need to know where the numbers come from so I can validate. I can't just do the return without understanding the hows and whys.

Do it by hand: Qualified Dividends and Capital Gains Tax Worksheet—Line 44.
by Duckie
Sat Feb 04, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need help to re-characterize ROTH IRA and then backdoor
Replies: 7
Views: 594

Re: Need help to re-characterize ROTH IRA and then backdoor

So let's assume the $5500 I put in there has now become $6000 with a net change of +500. Once I recharacterize, will $6000 be in the TIRA? When you say "convert it all" I'm assuming I will convert $5500 to Roth IRA for the 2016 contributions, but what about the other $500? Will that $500 ...
by Duckie
Fri Feb 03, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Navigating Roth Conversions
Replies: 1
Views: 195

Re: Navigating Roth Conversions

On the positive side, the New Year started off with a promotion but the downside is that it now puts my AGI above the Roth IRA limit. I've been reading the various posts about Roth Conversions, but also have a small (less than $1000) IRA held in a CD at my credit union from many years ago that I've...
by Duckie
Fri Feb 03, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need help to re-characterize ROTH IRA and then backdoor
Replies: 7
Views: 594

Re: Need help to re-characterize ROTH IRA and then backdoor

0. open a traditional IRA (https://investor.vanguard.com/ira/how-to-open-an-ira) Okay. 1. perform Roth IRA recharacterization (https://investor.vanguard.com/ira/roth-recharacterization) --- I think I will end up calling them to help, because it's not achievable online You'll need to call them. --- ...

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