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<< when you say put into an ira without tax withheld i'm not exactly clear on how that works. >>

If the plan cuts a check to you, they will withhold 20% for Federal income tax. If you want to do a rollover, you'll have to come up with the cash to replace the withholding for deposit in the IRA. If the 401(k) transfers the money directly to the IRA custodian, or physically through you by a check made payable to the IRA custodian "FBO" you, there's no withholding required.

Your chosen IRA custodian can assist you in completing the transfer.

TMF ExRO
Phil Marti
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