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Retirement Planning

Ask the Hammer: Can I Contribute to a Roth IRA?

Jeffrey Levine CPA/PFS, aka The Hammer, discusses Roth conversions and Roth IRA contribution limits

By Jeffrey Levine November 16, 2025

Roth Accounts
Jeffrey Levine CPA/PFS, CFP®, ChFC® — Chief Planning Officer, Focus Wealth Partners
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Key Takeaways

  • Roth conversions are excluded from MAGI calculations for Roth contribution eligibility—reference IRS Publication 590-A Worksheet 2-1 to back out conversion amounts when determining if you can make your $6,000-$7,000 annual Roth IRA contribution
  • There are no income limits for converting from traditional IRAs or 401(k)s to Roth accounts, but strict income limits apply to direct Roth IRA contributions ($125,000+ for single filers, $194,000+ for married filing jointly in many years)
  • Plan Roth conversions strategically in years when income exceeds Roth contribution limits—the conversion won't disqualify you from making that year's direct contribution since the conversion is removed from your MAGI calculation

Ask the Hammer: Can I Contribute to a Roth IRA? Jeffrey Levine CPA/PFS, aka The Hammer, discusses Roth conversions and Roth IRA contribution limits. Watch more episodes of Ask The Hammer at this link: https://www.finstream.tv/videos/ask-the-hammer/

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