Hello. In 2023 I will complete the conversion of my traditional IRA to Roth IRA. Next, I plan to begin rollovers and partial Roth conversions from my 401k (pre-tax TSP account), beginning 2023, keeping within my current tax bracket. I am concerned about the IRS pro-rata rule. Would it be wise to rollover and convert some of my 401k funds in 2023, thus commingling my pre-tax 401k and after-tax non-deductible trad. IRA funds, or should I complete conversion of my trad. IRA in 2023 and begin rollover and partial Roth conversions from my 401k in 2024? I am 62, retired and reside in MA. Am I overthinking this? What would you do? Thank you!
