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...You also probably would not be able to roll the money into a Roth account from the 403b if you ever wanted to.

Why do you say this? A 403(b) is a 'qualified plan', same as a 401(k) is a 'qualified plan'. You can convert directly from a 'qualified plan' to a Roth IRA - see IRS Pub 590. You will owe taxes on the conversion, whether it's from a 401(k) or a 403(b). But there is no issue with doing the conversion from a 403(b) rather than a 401(k).

AJ ...


"ever" was the wrong word.

I should have said "while you are still working there and don't qualify for an in-service withdraw". I assumed that once the money was rolled into an 403b or 401k that it could not be rolled out again just like new contributions. Please let me know if that was an incorrect assumption.

I thought of one more possible plus for the 403b if it is like a 401K that is that you may be able to get a loan from the 403b but you can't from the IRA.

Greg
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