dmertz
Level 15

Retirement tax questions

In fact, even if you could roll money from a Roth IRA to a Roth 401(k), it would be inadvisable to do so.  Money in a Solo Roth 401(k) is generally not distributable until you reach age 59½.  Even if you can take a distribution from the Solo Roth 401(k), distributions from a Roth 401(k) do not follow Roth IRA ordering rules.  Unless the distribution from the Roth 401(k) is a qualified distribution (based on the establishment date of the Solo Roth 401(k)), the distribution is proportionately basis and taxable earnings.  Finally, when you reach age 70½, RMDs are required from a Roth 401(k) but not from a Roth IRA.