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When I retired, I was able to roll the full balance of my elective deferred compensation plan into my IRA. This is not a taxable event. The fund that were in my deferred compensation plan will be taxed when I draw them out of my IRA, in accordance with minimum required distribution rules--none needed this year, although I'm over 70 1/2.

The particulars of the plan weree as described--the contributions were mostly mine, although there was a separately counted "company match" that I also rolled into my IRA when I retired.

During the life of the plan, I determined how the funds were to be invested.

The option of rolling the funds into an IRA, if available to you, gives you more control over the tax situation and the ability to divide it over your life expectancy.

Best wishes, Chris
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