Changing or recharacterizing a previous contribution to a traditional IRA into a contribution to a Roth IRA often involves complex income calculations. In addition, specific tax rules apply when you convert your traditional IRA to a Roth IRA.

Please contact your IRA Specialist at Interra Credit Union for assistance with this process.

If you determine that you’re eligible to convert, you’ll need to determine if a Roth conversion makes sense for you.

To help you with answering these and other questions, refer to the following sections:

Are you eligible to convert to a Roth IRA?

Should you convert to a Roth IRA?