@dmertz @NCperson @rjs
thank you all so much for the responses 🙂
yes, correct, dmertz, the state sponsored pre-tax employer plan is a 457b, not 479b.
It makes sense to rollover the entire amount to my fidelity traditional IRA and delay converting the acct to my Roth IRA until my taxable income is less, and move the money over in yearly installments to minimize my tax liability.
