thanks for the response,
I opened the Fidelity Roth IRA in April 2018, but didn't fund it until 7-23- 2018. I've contributed the max allowed amount every year since then, with the exception of 2022 when my income was over the allowed amount and I had to withdraw the contribution and accrued interest.
Noted your point about not converting all the funds to my Roth right away. Makes perfect sense, but it does make sense to rollover all of the fundsfrom my employer plan to my fidelity plan now?
thanks for the bit on the IRMAA - will have to read up pn that - I've never even heard of it before. Because of my state employment, I don't believe I will have a monthly out-of-pocket premium, id the tax based on yearly income - do you know gross or adjusted income? Also, I haven't applyied for SSI yet, I get a small state pension of 2210 per month, and no other job related income, only stock related dividends.
Does the IRA to Roth IRA conversion need to take place within 60 days of my seperation from my employer?
thank you for your help. Steve
