[Hugh R]

Man, I read some of that link. It gave me a headache. Since the no income limit window is for 2010 for a conversion, I'm going to at least talk to my tax guy about it. I've had it so long and moved several 401Ks into my IRA over 30 years, I don't think I could differentiate between contrributions and growth. They were all pre-tax or never taxed as growth, so it may not be a good deal for me. Besides, I'll make less in retirement in 10-12 years.