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Should You Roll Over Your Roth 401(k)?

Under the right circumstances, converting to a Roth 401(k) could be a smart retirement planning move.

By Robin Hartill, CFP – Updated Apr 17, 2025 at 2:10PM

Key Points

  • Rolling over a Roth 401(k) to a Roth IRA preserves tax-free withdrawals and provides more investment options.
  • Contact your plan administrator for a trustee-to-trustee transfer to avoid tax issues during rollover.
  • Open a Roth IRA early to ensure the five-year rule does not delay tax-free withdrawals post-rollover.
Key findings are powered by ChatGPT and based solely off the content from this article. Findings are reviewed by our editorial team. The author and editors take ultimate responsibility for the content.

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