[jrdavid68]

I've been trying to figure out if there would be any tax hit at all on my wife's IRA if we converted it to a Roth. She has an Etrade account from a previous life that is only worth about 45% of the original pre-tax contributions.

The account is only worth a couple grand, so if there is a tax hit now, I don't know if it would make sense to convert now or not. However, I'd like to explore the Roth option for her and since she already has an Etrade account, it would be nice to be able to start with those funds and not have to deal with two accounts.