End of Year Planning What to consider before 2020. Idea #1: Convert or Fund a Roth IRA: If you earn more than $137k as a single filer or $203k jointly you are not allowed to contribute to a Roth IRA for 2019. There is however, no limit on Roth conversions if you contribute to a non-deductible traditional IRA first, and then convert that to a Roth right away. It's an excellent option as long as you are willing to p..