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Personal Finance Topics / Retirement Investing❤
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Author: AdrianC ⎊🐝  😊 😞
Number: of 767 
Subject: Partial IRA to Roth Rollover
Date: 09/12/2025 8:26 AM
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I'm pretty sure this is all above board, but my Fidelity rep is unsure.

Here's the story: I had merged two SEP IRAs recently, leaving me with one SEP IRA, a solo 401(k), and a traditional IRA containing pre-tax (70%) and after-tax (30%) contributions. The 401(k) does allow incoming rollovers.

I want to rollover the SEP IRA and the pre-tax part of the traditional IRA to the solo 401(k), and the after-tax to a new Roth IRA, and not pay any income tax.

These IRS publications seem to allow it:

https://www.irs.gov/pub/irs-tege/rollover_chart.pd...

https://www.irs.gov/retirement-plans/rollovers-of-...

Though I am confused as to what I'd put on form 8606.

Anyone done something similar, or know if it can be done?
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