hard · Certified Financial Planner Retirement

The Quintero family has $90,000 in a traditional pre-tax IRA and $10,000 in after-tax contributions in a separate IRA. They decide to convert $20,000 to a Roth IRA in 2026.

What amount of this conversion is subject to ordinary income tax?

  1. $20,000
  2. $18,000
  3. $2,000
  4. $10,000

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