Retirement tax questions

The so called "Backdoor Roth" does not apply.   Backdoor Roth's are done to make Roth *IRA* contributions when ones income prohibits a direct Roth contribution by first contributing  a non-deductible contribution to a Traditional *IRA* that has no restrictions and then converting that Traditional IRA to  a Roth IRA.

 

That has nothing to do with 401(k) contributions converted to a Roth 401(k) in plan rollover.   What and how much you can convert depends on the 401(k) plan rules - ask the 401(k) trustee.

 

Once in a Roth 401(k) then that can be rolled into a Roth IRA with no tax.   Whether you can roll it to a Roth IRA before retirement age again depends on the 401(k) plan rules for your particular plan.

**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**

View solution in original post