Thanks for the reply. I separately had posed this question to the TMF advisor service in a message Friday night, and just got an answer this morning which elaborates on your response. I thought I'd share it with the boards as well.It seems that through the end of 2001, your answer is correct - after tax contributions are refunded at the time a 401k is transferred to an IRA. However, starting in 2002, we have the option to leave after tax contributions in when transferring a 401k to an IRA. This money is then eligible for later conversion to a Roth. Whether converted to a Roth, or left in an IRA, the after tax contributions are accounted for and not re-taxed.Thanks again for your help.
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