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REDDIT

Roth conversions and ROC for income tax purposes

S
Dec 26, 2025 · 02:08

My understanding is that Roth conversions have to be completed in the same tax year you intend to convert them. However, you don't know how much ROC applies to cc ETFs until after the end of the year and you get your 1099s. So how can you accurately plan for Roth conversions if you have ample cc ETF income?