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    Are the distribution options for beneficiaries of Roth IRAs the same as those that apply to beneficiaries of a Traditional IRA?


  • An individual has two traditional IRAs and a SEP IRA.  The SEP IRA has only pre-tax amounts, as it was funded with only SEP employer contributions. One of the traditional IRAs includes rollovers of pre-tax amounts from a profit sharing plan, and the other holds nondeductible IRA contributions made over the years.  

    Can the individual choose to convert only the nondeductible IRA amounts to a Roth IRA?