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I want to do mega Roth back door conversion offered by my employer. My spouse has traditional IRA & SEPA accounts. Do I have to convert my spouse account to Roth IRA?

 
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I want to do mega Roth back door conversion offered by my employer. My spouse has traditional IRA & SEPA accounts. Do I have to convert my spouse account to Roth IRA?

The retirement accounts of you and your wife are separate so what you do with yours does not affect her. 

View solution in original post

dmertz
Level 15

I want to do mega Roth back door conversion offered by my employer. My spouse has traditional IRA & SEPA accounts. Do I have to convert my spouse account to Roth IRA?

Even traditional IRAs of you own would not affect your ability to do this because your should be converting directly from the employer plan (401(k), 403(b), 457(b) or the federal TSP) and not involving your traditional IRAs in the transaction.

View solution in original post

2 Replies

I want to do mega Roth back door conversion offered by my employer. My spouse has traditional IRA & SEPA accounts. Do I have to convert my spouse account to Roth IRA?

The retirement accounts of you and your wife are separate so what you do with yours does not affect her. 

dmertz
Level 15

I want to do mega Roth back door conversion offered by my employer. My spouse has traditional IRA & SEPA accounts. Do I have to convert my spouse account to Roth IRA?

Even traditional IRAs of you own would not affect your ability to do this because your should be converting directly from the employer plan (401(k), 403(b), 457(b) or the federal TSP) and not involving your traditional IRAs in the transaction.

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