Thanks for your input, Phil & vkg.

I'll make one more try through the Roth custodian so see if another rep might validate the 2-step process....otherwise, I'll go the 3-step approach as Phil suggests. Was just trying to avoid the additional (unnecessary) paperwork and move things along faster.

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From Phil's response:

Me: Also, is there any reason that I would want to track these rolled over funds separately (such as in a separate rollover IRA/Roth IRA under a different custodian)…any guidance?

Phil: Tax law doesn't care. There are some cases in which it might be to your advantage to parcel the money around If you tell us more about your plans for investing the money we could fine tune this for you.


Well, I don't foresee any possibility of rolling the 457-Roth funds into a future employer plan in the future....so no need to track that. Also, I don't anticipate any need to pull out the rolled/converted funds within in the next 5 years...so no need to track the holding time. Are there any other cases that would be relevant?



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