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For questions relating to rollovers of 401K's, IRA's, HSA's, etc.

When you leave an employer, 401(k) loans are immediately due (or within 30 days or 60 days). So maybe they are waiting to see if you will pay off your loan. If you wanted to transfer the loan as well, …
answered May 12 '17 by Dilip Sarwate
belongs to your spouse. Now, if your spouse is the beneficiary of your IRA, then after your death, your spouse can treat the inherited IRA as if it belonged to the spouse and even rollover the assets …
answered May 9 '14 by Dilip Sarwate
Annuities, like life insurance, are sold rather than bought. Once upon a time, IRAs inherited from a non-spouse required the beneficiary to (a) take all the money out within 5 years, or (b) cho …
answered Feb 18 '12 by Dilip Sarwate
The answer depends on the IRA custodian. Once upon a time, Rollover IRAs were kept distinct from Traditional IRAs because the money in the Rollover IRA was eligible to be rolled over once again … into a current employer-sponsored plan (such as a 401(k) or 403(b) account) as long as one did not make IRA contributions to the Rollover account - if one tried to do so, the custodian would send dire …
answered Dec 15 '18 by Dilip Sarwate
If you already have an established Roth IRA into which you contributed money in earlier years when your income was lower, there is no need to roll that money (or any of the earnings/gains on those con …
answered Jun 25 by Dilip Sarwate
A transfer of funds from a 401(k) or 403)b) or 457 plan into an IRA is a rollover and it does not have the income-limit restrictions that apply to contributions to a Roth IRA. But be aware that a … rollover might not be permitted by the 457 plan if your wife is still employed by the same State government (not necessarily in the same department or agency). Most such plans allow rollovers after the …
answered Oct 14 '17 by Dilip Sarwate
401(k) plans limit loans to current employees, and do not loan money to past employees. In fact, if an employee takes a loan from his/her 401(k) account and subsequently leaves or is dismissed (and th …
answered Mar 14 '17 by Dilip Sarwate
A long time ago, in a galaxy far far away, Rollover IRAs were used for funds that came from (were rolled over from) a 401(k) account or a 403(b) account. All that money (including any earnings in the … interim) could be rolled over into a 401(k) plan with a new employer etc. One could make a regular contribution to a Rollover IRA but once such a commingling of money occurred, none of the money in …
answered Jul 9 '17 by Dilip Sarwate
it via rollover from your 401k and sit back and relax; they will take care of it all for you. Transferring to the 401k plan of your current employer is a little more complicated because not all 401k …
answered Aug 19 '15 by Dilip Sarwate
Does the 457(b) plan allow for the rollover of other retirement funds into it? And do you have very specific reasons for wanting to roll over your SEP-IRA into the 457(b) plan instead of into some … Rollover Traditional IRA so that the rolled-over money (and the earnings thereon) were not commingled with standard traditional IRA money resulting from personal contributions). This was so that the account …
answered May 20 '15 by Dilip Sarwate
Having retired some time ago from a state government job in which I paid into a retirement plan in lieu of Social Security and Medicare taxes (post-1986 hirees were required to pay Medicare tax but it …
answered Apr 29 '12 by Dilip Sarwate
, 2015), and a tentative basis of $6500 on Lines 3 and 5. You report the value of your IRA (say $6550) as of December 31, 2016 on Line 6, and the entire amount of the rollover to the Roth IRA (say $100,000 …
answered Apr 3 '17 by Dilip Sarwate
Once upon a time, money rolled over from a 401k or 403b plan into an IRA could not be rolled into another 401k or 403b unless the IRA account was properly titled as a Rollover IRA (instead of …
answered Apr 11 '12 by Dilip Sarwate
403b plans are used by school districts, colleges and universities, nonprofit hospitals, charitable foundations and the like for their employees while 401k plans are used by most everybody else. I wou …
answered Jan 29 '15 by Dilip Sarwate
There is no segregation of amounts that you have in Rollover (Traditional) IRAs when it comes to figuring out how much of your basis is being converted from your Traditional IRA into a Roth IRA …
answered Sep 2 '12 by Dilip Sarwate

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