including SIMPLE IRAs, SEP IRAs, and401(k) funds that were rolled over into an IRA. That’s because of the backdoor Roth IRA pro-rata rule, which treats all your non-Roth IRAs as one. Let’s say you have a trad
1) No, you don’t need to consider the pro-rata rule that factors in your pre-tax IRA funds into the calculation. 2) The pro-rata rule for Roth conversions is separate between 401k and IRAs, and it’s separate within the 401k when you only convert non-Roth after-tax contributions and...