Search found 5384 matches

by Duckie
Thu Feb 22, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Reducing Taxes in 2018
Replies: 5
Views: 356

Re: Need Help Reducing Taxes in 2018

gund0044 , welcome to the forum. I see that we can contribute to a traditional IRA and $5.5k would be a partial deduction of $4.1k. That would bring us down to $78k and we need to get below $77.4k to have a tax rate of 12% versus 22%. I would love to save that $8k in taxes if we could. You write "w...
by Duckie
Wed Feb 21, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: Any downside to back-door Roth regardless of income?
Replies: 12
Views: 926

Re: Any downside to back-door Roth regardless of income?

I was wondering, is there any reason not to simply make a non-deductible traditional IRA contribution, immediately convert to Roth, and file your relevant tax forms at the end of the year? One potential issue is the pro-rata rule . If someone has any other non-Roth IRAs (Traditional IRA, Rollover I...
by Duckie
Mon Feb 19, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Creating My Index Portfolio
Replies: 21
Views: 1470

Re: Creating My Index Portfolio

Off the top of my head it looks like Total Market Index, an International Index, and a Bond Fund of some kind will fix my Desired Asset Allocation. Any advice at where to go from here or next proper step? The best total market funds at Fidelity are: ( FSTVX ) Fidelity Total Market Index Fund Premiu...
by Duckie
Mon Feb 19, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Rollover - Contributions/Earnings Info
Replies: 2
Views: 227

Re: Roth 401k Rollover - Contributions/Earnings Info

It's probably somewhere in one of my 1040s from the years I contributed. It won't be on your 1040 forms, but it should be on your W-2 forms. Maybe I could access this info from the IRA account trustee (vanguard)? Is this information explicitly given from trustee to trustee during a rollover? No and...
by Duckie
Sun Feb 18, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 401k Small-value Choice
Replies: 9
Views: 803

Re: Portfolio Review - 401k Small-value Choice

401k plan assets are not included when figuring whether or not you have a wash sale in taxable. Can you cite anything from the IRS that backs this claim? Here is what the IRS writes about Wash Sales . It specifically mentions taxable accounts and IRAs but nothing about qualified employer plans. Pos...
by Duckie
Sat Feb 17, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion Double Check
Replies: 1
Views: 178

Re: Backdoor Roth Conversion Double Check

wertdaman wrote:Before I make nondeductible IRA contributions for 2017 for a backdoor Roth conversion I wanted to double check our scenario.
As long as all non-Roth IRAs are still empty on 12/31/18 you'll be fine.
by Duckie
Fri Feb 16, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization, excess contribution, and Backdoor Roth confusion
Replies: 6
Views: 337

Re: Recharacterization, excess contribution, and Backdoor Roth confusion

since I recharecterized the Roth contribution - do I indicate that I originally contributed to that IRA in 2017? Or do I just ignore that portion? You originally contributed to the Roth IRA so if using software that's where it goes. I use TurboTax so if you use a different tax-software the process ...
by Duckie
Fri Feb 16, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 15
Views: 1365

Re: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)

hudsonriverjogger , welcome to the forum. Here’s what I have available: The best options are: PGI S&P 500 Index PLFIX 0.16% -- Large caps, 80% of US stocks PGI S&P 400 Index MPSIX 0.20% -- Mid caps, 6% of US stocks PGI S&P 600 Index PSSIX 0.21% -- Small caps, 14% of US stocks AF EuroPacific Growth ...
by Duckie
Fri Feb 16, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterization, excess contribution, and Backdoor Roth confusion
Replies: 6
Views: 337

Re: Recharacterization, excess contribution, and Backdoor Roth confusion

With my recharecterization that included earnings - did I technically over contribute to my tIRA? No. A conversion is not a contribution. If I did over-contribute, what do I do now that I've taken those funds and used the backdoor process to make it part of my Roth account? You didn't over-contribu...
by Duckie
Fri Feb 16, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 401k Small-value Choice
Replies: 9
Views: 803

Re: Portfolio Review - 401k Small-value Choice

I was excited to see that Total US & Total International funds were available from Vanguard in my new 401k. Should I hold S&P500 and International Developed though, in order to make tax-loss harvesting easier down the road? 401k plan assets are not included when figuring whether or not you have a w...
by Duckie
Thu Feb 15, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall & Investment Planning
Replies: 3
Views: 374

Re: Windfall & Investment Planning

ticktocker , welcome to the forum. I’d like to move all of my investment accounts into Vanguard and use a three or four-fund portfolio strategy. I’ll also hold 6-12 months of cash in an emergency fund. Given my age and expected future income, I’m okay with taking more risk. I’m thinking of a 75/25 ...
by Duckie
Wed Feb 14, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Confused - placing for best after tax return- 401k and Roth 401k
Replies: 15
Views: 1013

Re: Confused - placing for best after tax return- 401k and Roth 401k

Bonds should be placed preferentially in the 401k first? If this is correct, should the rest of the bond funds be placed secondly in a Roth 401k, and lastly in a non- retirement account? In general it's better to put assets with higher expected growth (stocks) in Roth accounts and assets with lower...
by Duckie
Wed Feb 14, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding tax efficient help
Replies: 6
Views: 539

Re: Understanding tax efficient help

I do have Vanguard Total Stk Market ETF and Vanguard FTSE all-world ETF in my traditional IRA account. I thought if I sold all or portions of these I would have to pay taxes because I took them out of the IRA - and didn't just roll them over into something else within the IRA? I'm retired and can't...
by Duckie
Wed Feb 14, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth with Existing Traditional IRAs
Replies: 11
Views: 1002

Re: Backdoor Roth with Existing Traditional IRAs

My understanding is that federal and CA CG tax would be due on the earnings of 26K. With 15% federal and 10% CA CG tax, I would owe about $6500. I may be wrong but I thought you paid regular income tax on the gains from a non-deductible IRA (and pay regular income tax when pulling funds out down th...
by Duckie
Tue Feb 13, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: New Career with benefits.
Replies: 7
Views: 770

Re: New Career with benefits.

EM ===> emerging markets (but I can see how you mistook me) I understood you meant emerging markets for the first part of the sentence, but then you were writing about adding small caps in addition to the proposed mid caps and I was pointing out that although FID EXT MKT IDX PR (FSEVX) states it's ...
by Duckie
Tue Feb 13, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA for 1st Home Purchase
Replies: 5
Views: 318

Re: Rollover IRA for 1st Home Purchase

NAM , welcome to the forum. My wife has 403b and 401k accounts from previous employers that we'd like to roll into an IRA. We haven't done this before and I'm wondering if we should use a financial planner or do it ourselves through Vanguard, Ally, Ameritrade, etc. I'm seeing it will be less expens...
by Duckie
Tue Feb 13, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV does not equal income dividends?
Replies: 8
Views: 1151

Re: 1099-DIV does not equal income dividends?

juliewongferra wrote:I did get a little confused because the Foreign Income amount on the Foreign Tax Paid document is yet another amount that does not math well with these other numbers,
The Foreign Income amount on the Foreign Tax Paid form only matters if you are filing Form 1116.
by Duckie
Tue Feb 13, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover questions
Replies: 3
Views: 321

Re: IRA rollover questions

Can I combine the traditional and SEP-IRA into a single traditional IRA at Vanguard? Yes. It might be better to have the account titled as a Rollover IRA rather than TIRA. When the IRAs transfer over in-kind to my single Vanguard IRA, my understanding is that the money will still be invested in Con...
by Duckie
Tue Feb 13, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: New Career with benefits.
Replies: 7
Views: 770

Re: New Career with benefits.

I don’t know if I’d worry about EM, as I would have included small cap instead, in addition to some mid-cap Extended Market is not really a mid-cap fund. It's the "Completion Index" and holds the mid/small caps that aren't in the 500 Index. Roughly 80% 500 Index plus 20% Extended Market makes up th...
by Duckie
Tue Feb 13, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: SCorp and Roth IRA
Replies: 3
Views: 243

Re: SCorp and Roth IRA

Cbstevens11 , welcome to the forum. Hi! so I do basic bookkeeping and payroll for a friend who has a SCorp. About a year ago she set up a Roth IRA with her personal bank under her name and not the businesses. She is now wanting to set it up to where her contributions are withheld from her paycheck ...
by Duckie
Tue Feb 13, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation
Replies: 4
Views: 383

Re: Portfolio Allocation

Are there advantages in placing certain asset classes in the tax deferred v. non tax deferred vehicles? It's better to put bonds in tax-sheltered and if possible pre-tax instead of Roth. Stocks can go anywhere. Lastly, any suggestions on funds are welcome as well. You have a mess of numbers. The on...
by Duckie
Mon Feb 12, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Please advice 401K/IRA/Roth IRA allocation
Replies: 4
Views: 373

Re: Please advice 401K/IRA/Roth IRA allocation

Here is my wife 401K funds ER: The best options are: SS S&P 500 INDEX 0.013% -- Large caps, 80% of US stocks SS RSL SMMDCP IDX 0.04% -- Mid/small caps, 20% of US stocks SS GACEQ EX-US IDX 0.096% -- Complete international stocks SS US BOND INDEX 0.04% -- US bonds She puts 100% of her future 401K con...
by Duckie
Sat Feb 10, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: year end charitable gift by credit card
Replies: 3
Views: 394

Re: year end charitable gift by credit card

I made a charitable gift by credit card which posted December 28. However, the charity is telling me that because their payment processor didn't actually deposit funds in their account until January 3, they will only provide acknowledgement of the gift as a 2018 gift. <snip> The payment was made th...
by Duckie
Fri Feb 09, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner with a 401K Question
Replies: 21
Views: 658

Re: Beginner with a 401K Question

Jgiudici wrote:Here are the available options.
The best options are:
  • FID TOT MKT IDX PR (FSTVX) 0.035% -- Complete US stocks
  • FID INTL INDEX INS (FSPNX) 0.05% -- Developed markets, ~75% of international stocks
  • FID US BOND IDX PR (FSITX) 0.045% -- US bonds
by Duckie
Fri Feb 09, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Question on minimizing tax-inefficient taxable account
Replies: 2
Views: 324

Re: Question on minimizing tax-inefficient taxable account

Some are now showing losses, so (as I understand it) I can TLH. So let’s say I can TLH $2k. Is there anything wrong with also selling $2k in gains, for a net of $0? Nothing wrong, good idea. If so, what are the negatives? I realize it’s no longer TLH, but it would help minimize the accounts faster....
by Duckie
Fri Feb 09, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Please advice 401K/IRA/Roth IRA allocation
Replies: 4
Views: 373

Re: Please advice 401K/IRA/Roth IRA allocation

Avail funds in my 401k Without knowing the plan expense ratios, the best options appear to be: Fidelity 500 Index Premium -- Large caps, 80% of US stocks Vanguard Extended Market Index -- Mid/small caps, 20% of US stocks Europacific R3 -- Decent international fund, but expensive Vanguard Interm-Ter...
by Duckie
Fri Feb 09, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Building a Portfolio from Scratch?
Replies: 6
Views: 631

Re: Advice on Building a Portfolio from Scratch?

HeftyLefty , welcome to the forum. Age: 33 Desired Asset allocation: 75-80% stocks / 15-20% bonds At age 33 I'd be at least 20% bonds. Desired International allocation: 20% of stocks That breaks down to 64% US stocks, 16% international stocks, and 20% bonds. With my employer match, I'm currently pu...
by Duckie
Fri Feb 09, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at American Funds or move to Vanguard?
Replies: 14
Views: 1286

Re: Stay at American Funds or move to Vanguard?

I like the idea of moving the funds in-kind to Vanguard, but I'm not sure I agree with the suggestions to turn off reinvestment of dividends. There are two issues with reinvesting ANEFX dividends: Although the fund can be transferred it can't be purchased at Vanguard. I'm not sure dividends even ca...
by Duckie
Fri Feb 09, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for newbie?
Replies: 11
Views: 752

Re: Portfolio review for newbie?

Is the reason you put riskier funds in Roth IRA because I've already paid taxes so might as well try to make those accounts grow as large as possible before retirement, to reduce tax rates? <snip> So all my bonds should be in pre-tax account? Is that because they are expected to provide the lowest ...
by Duckie
Thu Feb 08, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Request for Investment and Finance Assistance
Replies: 16
Views: 441

Re: Request for Investment and Finance Assistance

jbnaz78 wrote:I was looking to get it more at 80% stocks and 20% bonds. Given my retirement timeline and using tools on USAA and Vangaurd, 80/20 was recommended for my situation.
VTTHX 2035 is currently 78/22. That's close enough, although at your age I'd be 30% bonds.
by Duckie
Thu Feb 08, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Request for Investment and Finance Assistance
Replies: 16
Views: 441

Re: Request for Investment and Finance Assistance

I didn't want VTHRX as it seemed redundant to my Traditional IRA (VTIVX), and VTHRX seemed like it wouldn't be the right asset mix for my age and desired allocation. I may need to research the funds more, but VBIAX seemed it was more in line with my allocation goals. What is your desired Asset allo...
by Duckie
Thu Feb 08, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at American Funds or move to Vanguard?
Replies: 14
Views: 1286

Re: Stay at American Funds or move to Vanguard?

D. other suggestions? Stocks have lost value this week. Find out what the cost basis is and check to see if the gain has been reduced. That would make selling easier on the pocketbook. (She's going to need the basis in the future anyway.) If she decides to keep it, open the taxable account at Vangu...
by Duckie
Thu Feb 08, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Request for Investment and Finance Assistance
Replies: 16
Views: 441

Re: Request for Investment and Finance Assistance

jbnaz78 , welcome to the forum. Emergency funds: $1,475 Debt: $317,776 Home : $221,000 @ 3.25% (Paying additional $2,600/yr towards principal) Credit Cards (3) : $10,093 ($1,651 - 15%, $8,120 - 17% and $322 - 25.99%) Personal Loan : $13,300 @ 8.99% interest Auto Loans (2) : $69,333.84 ($24,341 @ 3....
by Duckie
Thu Feb 08, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Number of retirement accounts - consolidation?
Replies: 2
Views: 276

Re: Number of retirement accounts - consolidation?

AA3 wrote:Can any of these accounts be combined?
No.
by Duckie
Thu Feb 08, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for newbie?
Replies: 11
Views: 752

Re: Portfolio review for newbie?

Glockenspiel , welcome to the forum. Age: Me 33/Wife 33 Gross Annual Income: 185k Desired Asset allocation: 92% stocks / 8% bonds Desired International allocation: 20% of stocks <snip> I also set a goal of having (Age minus 25) in bonds. I may slide that to (Age minus 20) in bonds as I get older. I...
by Duckie
Thu Feb 08, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Transfer from NMLI to Vanguard
Replies: 13
Views: 832

Re: Roth IRA Transfer from NMLI to Vanguard

How difficult is restructuring or reallocating example 3? Say as you age you want more in bonds for example. It's not difficult, it just takes a little time. To figure your AA each year you add up all the dollar amounts for each account earmarked for retirement. Then you figure the account percenta...
by Duckie
Wed Feb 07, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Transfer from NMLI to Vanguard
Replies: 13
Views: 832

Re: Roth IRA Transfer from NMLI to Vanguard

I'm actually considering opening a self-employed plan and back funding it for 2017 (if that's possible). In order to fund a solo 401k for 2017 in 2018, it had to be opened in 2017. So that's out for 2017. You can open and fund a SEP IRA now for 2017. But unless your self-employment income is high y...
by Duckie
Tue Feb 06, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help me assess new 401k?
Replies: 8
Views: 618

Re: Help me assess new 401k?

Here are the investment options. No ER info was provided to me. Without knowing the expense ratios these appear to be the best options: NT S&P 500 Index -- Large caps, 80% of US stocks NT Extended Equity Mkt Index -- Mid/small caps, 20% of US stocks NT ACWI ex-US IMI -- Complete international stock...
by Duckie
Tue Feb 06, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help with a backdoor Roth mistake
Replies: 10
Views: 1188

Re: Help with a backdoor Roth mistake

ahay144 wrote:it sounds like she can roll tIRA money into either her 401a or 457. Is there any reason to choose putting the tIRA money into one over the other?
457b plans don't have a penalty for early withdrawals (before age 59.5). I don't think 401a plans have that contingency.
by Duckie
Tue Feb 06, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Transfer from NMLI to Vanguard
Replies: 13
Views: 832

Re: Roth IRA Transfer from NMLI to Vanguard

Asset Allocation within the Vanguard Target Retirement 2050 Trust II is as follows: <snip> That's approximately a 90/10 (stocks/bonds) split, if I'm reading it right. Does that seem ok given our age and target date of retirement? (Wife is 33, I'm 43, target date of retirement 2045 (age 60ish for th...
by Duckie
Mon Feb 05, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 3992

Re: Retired or close to it -- what do you hold in bond portion?

DebiT wrote:I am curious how others handle this, who are near or at retirement.
Retired ten years. 60/40.
100% VBTLX Vanguard Total Bond (0.05%)
by Duckie
Mon Feb 05, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help+
Replies: 3
Views: 248

Re: Portfolio Help+

DoomTrain , welcome to the forum. Age:32 Desired asses location: ? Not sure 80/20? Anything between 80/20 and 70/30 would be suitable at your age. International around 30%? Do you mean 30% of stocks? If 80/20 that would be 24%, if 70/30 that would be 21%. I just switched to investing 18500 per year...
by Duckie
Mon Feb 05, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with a backdoor Roth mistake
Replies: 10
Views: 1188

Re: Help with a backdoor Roth mistake

From looking at the Form 8606 instructions, it seems like if I recharacterize the 2017 Roth conversion back to a non-deductible tIRA contribution, then then ~$1,000 in earnings that the $5,500 made in 2017 are treated as if they were made in the traditional IRA all along. Then, when I go about roll...
by Duckie
Sun Feb 04, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Military Roth TSP and 401k account questions
Replies: 3
Views: 290

Re: Military Roth TSP and 401k account questions

captbone , welcome to the forum. I am starting to worry that I am doing something wrong since I am maxed out on my 401k and am afraid that I am breaking the law/going above some limit. The 401k and TSP share the $18K (for 2017) limit so you did go above it. Am I ok doing what I am doing or should I...
by Duckie
Sun Feb 04, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: [How to invest while living outside the US?]
Replies: 11
Views: 510

Re: [How to invest while living outside the US?]

Does anyone know if I would be allowed to exclude all but $5500 of my income under the FEIE, so I have a $5500 taxable income, and put that into a Roth? Would that $5500 be covered under the standard deduction leaving me with no tax liabilities? Sorry, the FEIE is all or nothing. Unless you have so...
by Duckie
Sun Feb 04, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: What documentation should i be keeping
Replies: 3
Views: 392

Re: What documentation should i be keeping

I have a traditional IRA, a Roth IRA and I’m starting to use a taxable account as well, all with Vanguard. I do backdoor and mega backdoor rollovers. Are you aware that the TIRA will get in the way of the backdoor Roth IRA method because of the pro-rata rule ? What documentation should I be keeping...
by Duckie
Sun Feb 04, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need help Vanguard Roth IRA Account | Investment
Replies: 4
Views: 255

Re: Need help Vanguard Roth IRA Account | Investment

travellingrants , welcome to the forum. Since this is my first investment, I am not sure which one to start and looking for the suggestion. Alternatively, I was thinking of starting with Vanguard Target Retirement but not sure if this is the best way to go. Since you are just starting out you could...
by Duckie
Sat Feb 03, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA recommendations please
Replies: 7
Views: 818

Re: Vanguard IRA recommendations please

Please take a look at my IRA and Roth and tell me how this could be improved. I am 61 and retired and do not need to withdraw from this for 3 or 4 more years.. It could be improved by making it simpler. You appear to have an AA of 63% stocks, 37% bonds, with 36% of stocks in international. That bre...
by Duckie
Sat Feb 03, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: VG Trad.IRA or company 401k roll over
Replies: 2
Views: 157

Re: VG Trad.IRA or company 401k roll over

My company is moving from ESOP to 401k. We are given a choice to take a distribution and roll it over to what we want. I already have VG Trad. IRA account, but I'm wondering what would be better to roll distribution into the new 401k or into my VG account. Any cons and pros for each? It depends on ...
by Duckie
Sat Feb 03, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a youngin'
Replies: 7
Views: 978

Re: Advice for a youngin'

Dee-89 , welcome to the forum. I have about $5000 that I had in a pension plan in a prior job. That money is just sitting there doing nothing, so I am having this transferred to my new Vanguard account so I can start investing in the roth ira. If you roll the pension money to a Traditional IRA you ...