easy · Certified Financial Planner Investment Planning

The Keene household consists of a client with a traditional IRA containing $90,000 of pre-tax contributions and $10,000 of after-tax basis. The client wishes to convert only the $10,000 after-tax portion to a Roth IRA.

What is the tax consequence of this conversion?

  1. 90% of the conversion amount is taxable as ordinary income
  2. The entire $10,000 is taxable at long-term capital gains rates
  3. 10% of the conversion is taxable
  4. The conversion is entirely tax-free since it only uses after-tax money

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