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April 12, 2025
Question

Backdoor Roth IRA conversion

  • April 12, 2025
  • 1 reply
  • 0 views

I got married in 2024. I make more than the amount for direct Roth IRA contribution so I have been using the backdoor method for several years. 

My wife makes under the limit so she contributed to Roth directly in 2024. 

After getting married, she did not go back and do a backdoor conversion until 2025. 

She has not gotten a 1099R from vanguard and I don't think she will get it until 2026. 

 

We are filing taxes married jointly this year. 

For her portion. Should I still enter her conversion? 

 

    1 reply

    April 15, 2025

    No, a conversion that happened in 2025 has to be reported on the 2025 return when you get the 2025 Form 1099-R for the conversion.

     

     

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