Roth 401(k) to a Roth IRA Rollover: How Does This Work

By Andy Ives, CFP®, AIF®
IRA Analyst

As retirement account questions go, this is the shortest inquiry with the longest answer. When asked what factors to consider and what 5-year clocks apply with a Roth 401(k) to Roth IRA rollover, I take a big breath and say, “Pull up a chair.” There are a number of variables to determine. Probing questions must be posed before any guidance can be given.

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Q: When can we expect final SECURE Act regulations from the IRS?

Answer

Q: At age 80, after I take my required minimum distribution (RMD), can I then do a rollover from my IRA to my Roth IRA? If I can, is there a limit as to how much? I know that it is all taxable.

Answer

Q: Does a SIMPLE IRA owner who is over age 73 and still works for the same company that sponsors the SIMPLE IRA plan have to take an RMD (required minimum distribution)? He does not own any of the company.

Answer

Q: Are you able to aggregate a self-directed IRA with other traditional IRAs (and withdraw from one traditional IRA) for required minimum distribution (RMD) purposes?

Answer

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