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alittlemouth t1_j2ejo7p wrote

Someone else may correct me if I'm wrong, but the $6k limit is YOUR contribution. Bonuses don't count, so you can contribute the entire $6k and take advantage of the $100 from Fidelity. So you can contribute the additional $5950 and then convert in 2023 when the funds are available. You want to make sure your balance in any traditional IRA is $0, as you will still be able to contribute $6k for 2023.

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HFrEF OP t1_j2ejxaw wrote

You mean balance in traditional IRA after the conversion to be $0, right?

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