Q: I have a Roth that the deposits have been in for well over 5 years and I am thinking of converting some regular IRA funds to a Roth this year due to lower earnings. Does it make sense to open a new Roth to receive the conversion dollars?
A: Yes, it does if you plan on using some of the assets in your current Roth within the next few years. If you do not plan on making any Roth withdrawals for over 5 years, then it is not necessary.

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