Combining 401ks and 403bs while avoiding pro-rata rule My wife is currently a stay-at-home-mom and is wanting to combine multiple old 401ks and 403bs from previous jobs. We do backdoor from our traditional IRAs to roth IRAs and want to avoid the pro rata rule. The traditional IRAs have $0 balances unless we’re mid-conversion. Option 1 ) The most appealing option would have been to roll these various…