vkg -Yes, I've already had the run in with what is "legally" allowed versus what the custodians are willing to do...as witnessed with the whole 457-straight-to-Roth process.As a side note, maybe it was a good thing that the custodians were initially uncooperative ....otherwise I would not have probed further and would have overlooked these other options/strategies. Lemonade in January!MT
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