Bichon Frise wrote:
Also, if you plan to make a non-deductible IRA contribution and convert to Roth, do NOT roll over your husband's 401k before making the conversion. Otherwise, you will have to do it pro-rata. If either of you have TIRA accounts, a non-deductible TIRA contribution will also have to be taken pro-rata at conversion.
If the OP is close (just above the threshold) for deducting IRA contributions even with 401(K) access, they are probably nowhere near the limit for being able to contribute directly to a Roth IRA.