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At retirement I believe these can be rolled to a Trad then to a Roth but what about now? Can portions be rolled each year from one or all? I think #1 is NO because it is receiving employer cont. but what about the other two? The plan docs are vague in this regard...

If her "voluntary" contributions are after-tax, they can't be rolled into an IRA at any time. Details are in IRS Publications 575 and 590.

She'll have to check with her plan administrator to see if the plan allows in-service withdrawals. I doubt it does.

Phil Marti
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