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Roth 457 Direct Rollover to Roth IRA - Distribution Tax Implications
I have a Roth 457 through my government job that I will be leaving soon. I also have a personal Roth IRA account. I have only made post-tax contributions to each and both accounts are more than 5 years old. I am under 59.5 years old.
If I do a direct rollover of the Roth 457 to the Roth IRA, can I then withdraw the post-tax contributions I made to both accounts tax and penalty-free? My understanding is that Roth withdrawals follow ordering rules where contributions are distributed first and tax-free at any time. Would that apply to the contributions originally made to the Roth 457 once they are rolled over into the Roth IRA?
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March 2, 2026
4:58 PM