Reply To: 401(k)-Roth Rollover

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#3216
Bruce1950
Participant

Thanks Alan
This could creates some interesting combinations. Let’s call the individual Roth ROTH-A and the 401-K Roth, ROTH-B, with the following combinations for a soon-to-retire worker >59.5…

1. No Roth-A, Transfers Roth B with >5 year hold to newly created Roth-A. All distributions would be qualified?

2. No Roth-A, transfers Roth-B with 3 years. When would distributions be qualified?

3. Roth-A 3 years and transfers Roth-B with >5 years, transfers to Roth-A. When would distributions be qualified?

4. Roth-A >5 years, Roth-B with 2 years, transfers B to A. All distributions qualified?

Thanks

BruceM