My wife and I decided to file separately for this year, given her student loans' income driven repayment.
As a result, I discovered neither of us can contribute to a Roth due to income thresholds and to an IRA (pre-tax). I have already contributed 7k of funds to my IRA for 2025, which was holding around 12k of pre-tax funds invested.
My plan is to sell everything in the IRA, and rollover all of the pre-tax funds to my employer's 401k (all pre-tax), while performing a backdoor Roth with the 7k.
I have a few questions:
1. Is everything in my description allowed from a tax-standpoint in order to avoid the pro-rata rule?
2. Does it make sense to do this since I can't get the tax deduction due to MFS?
3. Can Vanguard give me daily balances of every asset in the account to ensure I don't comingle the pre and post tax funds? Should gains on the new post tax funds go to 401k or with the 7k to the Roth?
Thank you!