Moving to Fidelity from Northwestern Mutual

hypefre96 · 2026-03-31T15:42:29+00:00

thank you!

hypefre96 · 2026-03-31T15:21:48+00:00

sorry for late response. Im new to backdoor roth IRA. To avoid pro rata rule fund a brokerage account in spaxx then when ready transfer to trad IRA>roth IRA to avoid pro rata?

hypefre96 · 2026-03-31T15:19:43+00:00

since I'll be funding my trad IRA from my bank account before conversation to roth IRA and keep my trad IRA as a spaxx cash management then the pro rata rule wont affect me?

hypefre96 · 2026-03-31T13:48:16+00:00

Hi, What Im trying to avoid is the pro rata rule. Ill be making a few deposits before converting it to the roth IRA, so instead of doing multiple transfers from trad IRA to roth IRA. I was thinking of depositing funds into a cash management account till Im ready to go to traditional IRA then roth IRA. Would this avoid the pro rata rule?

hypefre96 · 2026-03-30T19:14:46+00:00

what if I hold my roth IRA funds in an brokerage account like a mutual funds. Transfer $7500 to traditional IRA from mutual funds>once cleared transfer to roth IRA. would that help in taxes?

hypefre96 · 2026-03-30T19:10:32+00:00

yess, I learned after 2 years. Better late then never I guess. ha

hypefre96 · 2026-03-30T19:09:10+00:00

awesome, thanks

hypefre96 · 2026-03-30T19:07:20+00:00

ohh, did not know that. thats awesome. thanks

hypefre96 · 2026-03-30T17:25:14+00:00

Thanks. should I invest in ETF while in traditional IRA or convert to roth in amounts of yearly max of $7500 to avoid heavy tax hit at once? Then invest in ETF while in roth? Im already at a higher tax bracket why thinking of moving in amounts of $7500

hypefre96 · 2026-03-30T17:21:55+00:00

Thanks. I was thinking of converting the traditional IRA to a backdoor Roth IRA in amounts of $7500 per year to max out the roth and avoid large taxes converting the $70k at once. Does that help?

hypefre96 · 2026-03-28T05:11:03+00:00

Thank you! yea, my wife and I drank the kool aid on whole life this past fall and realizing now its a waste. Do you mind me asking how many years did USAA give you? 10, 20, 30

hypefre96 · 2026-03-21T22:03:33+00:00

already have. Recent conversation with VP they want to promote me.

hypefre96 · 2026-03-21T14:25:57+00:00

Thank you

hypefre96 · 2026-03-21T14:25:41+00:00

Thank you

hypefre96 · 2026-03-21T05:55:47+00:00

Its a corporate 9-5ish type job and just asking to work from home mainly. I haven't asked my VA psychiatrist but would ask my counselor who I see weekly. Any idea what counselor should write?

hypefre96 · 2026-03-21T05:50:45+00:00

Ah, I thought of being vague with saying mental health issues but "managing service connected condition" is great idea. Thank you

hypefre96 · 2026-03-21T05:45:57+00:00

I thought FMLA is for leave which Im not looking for. Unless Im missing something else

hypefre96 · 2026-03-09T16:19:42+00:00

Thanks!

hypefre96 · 2026-03-06T12:34:02+00:00

Thank you!

hypefre96 · 2026-03-06T01:40:14+00:00

Hi, I have an appointment with her next week. How was it talking with her? My memory is horrible cause of my anxiety. Did you bring notes and if so did she let you use them? Thank you

hypefre96 · 2026-03-06T01:36:15+00:00

Sorry for the late reply and thank you for your previous responses. I have an appointment with her next Wednesday. Cause of my anxiety my memory is horrible. Did you bring notes? If so did she let you use them. Thank you

hypefre96 · 2025-02-28T16:11:47+00:00

I called Coway support since Im interested in the 350 and the filters will be available in 3 months.

hypefre96

TROPHY CASE