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Old 09-13-2017, 05:36 PM
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GoldenGoal GoldenGoal is offline
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Originally Posted by lulzEMH View Post
Talked to another rep and it turns out we can do an in service rollover six per 6 months. (Guess the after tax money I have in there was prior to some hard cutoff date and not eligible?).

Sounds really promising.
There's a few pitfalls to beware of when doing in service withdrawals. I found this article helpful https://www.kitces.com/blog/intra-pl...to-a-roth-ira/

One in particular,
Quote:
Now, one partial exception to this rule is that if the plan separately accounts for the after-tax contributions and associated growth, it is possible to distribute and roll over just the after-tax and its associated growth but not the rest of the plan. In this case, the pro-rata rule would only apply to the separate accounting share.
.

Determine if the after tax is accounted for separately or you may be subject to the pro rata rule.
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