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URL:  https://boards.fool.com/on-the-other-hand-dw39s-401k-documents-do-34166503.aspx

Subject:  Re: Backdoor Roth or convert spouse's trad I Date:  3/26/2019  12:23 PM
Author:  aj485 Number:  92678 of 102702

On the other hand, DW's 401(k) documents do state that they allow in-service withdrawals of post-tax contributions after 3 years of service, potentially giving her the opportunity to do a mega-backdoor Roth in future years. My understanding is that those funds can be rolled directly to a Roth IRA, with no concern for the pro-rata rule?

Yes, if her plan allows in-service withdrawals of after tax contributions, she can roll those directly to a Roth IRA. There are no issues with the pro-rata rule because she is not converting from an IRA, she's rolling from a 401(k).

AJ
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