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Below is a need-to-know summary of the 2010 Roth IRA conversion opportunity.  Other key Self-Directed IRA topics are explained in the separate tabs listed here on the left panel dealing with checkbook controls, IRA LLCs, tax-deferred versus tax-free accounts, and how to differentiate between a bank/brokerage self-directed IRA and a true self-directed IRA, which allows for virtually any investment asset type.

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ALERT: 2010 Roth IRA Conversion:
Starting in 2010, your Traditional IRA & old 401(k)s can be converted to Roth IRA (Tax-Free Gains) without the previous $100,000 adjusted gross income level restrictions. Additionally, if the conversion to a tax-free account (Roth) is done in 2010, the resulting taxes can be spread equally across 2011 and 2012.

The 2010 conversion is not limited just to your traditional IRA.  If you have any old 401(k)s or any other retirement plans from a previous employer, those will also be allowed to convert as well.

Although the conversion limit of $100,000 AGI is lifted, the income restrictions still apply for new contributions into the Roth.  For higher wage earners, this is a prime opportunity to convert money into the Roth IRA to allow your money to have tax-free growth at retirement.
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