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Tax law changes
It depends on what question you are asking. You can convert the Roth 401K to a Roth IRA at any time, however the Roth IRA contribution has its own 5 year clock that starts the day of the conversion. In other words if you've held the Roth 401K for 4 years and 364 days and then make a conversion you have 5 years to go before you've held your new Roth IRA contribution (from the conversion) for the required 5 years. This rule only applies to conversions.
‎December 26, 2022
10:20 AM