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I would like to know whether the right to make rollovers from a 401K to an IRA is provided by law. I am a few years from retirement and have a large enough 401K that I am unprepared to reinvest the total amount upon retirement. I found last year after reaching age 59.5 I can make unrestricted rollovers of any or all to an IRA. So I have been moving $20,000 each month to an IRA. By continuing this until retirement, the outstanding 401K balance will not be too large for me to handle.

I expect the company to be sold this year. I am concerned that the new owners might not allow me to continue the rollovers. So is the rollover before retirement a company option or is it required by law?
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