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Rollover Methods

The IRS provides multiple ways to move funds between retirement accounts. Choosing the correct method is critical to avoiding the 20% withholding trap and meeting the strict 60-day rollover deadline.

5Transfer Methods

20% CatchWithholding Risk

60 DaysTime Threshold

✅Direct Rollover

401(k) Direct Rollover Rules

IRS compliance rules for direct rollover of a 401(k) account.

403(b) Direct Rollover Rules

IRS compliance rules for direct rollover of a 403(b) account.

457(b) Direct Rollover Rules

IRS compliance rules for direct rollover of a 457(b) account.

TSP Direct Rollover Rules

IRS compliance rules for direct rollover of a TSP account.

Traditional IRA Direct Rollover Rules

IRS compliance rules for direct rollover of a Traditional IRA account.

Roth IRA Direct Rollover Rules

IRS compliance rules for direct rollover of a Roth IRA account.

SEP IRA Direct Rollover Rules

IRS compliance rules for direct rollover of a SEP IRA account.

SIMPLE IRA Direct Rollover Rules

IRS compliance rules for direct rollover of a SIMPLE IRA account.

Pension Plan Direct Rollover Rules

IRS compliance rules for direct rollover of a Pension Plan account.

⚠️Indirect Rollover

401(k) Indirect Rollover Rules

IRS compliance rules for indirect rollover of a 401(k) account.

403(b) Indirect Rollover Rules

IRS compliance rules for indirect rollover of a 403(b) account.

457(b) Indirect Rollover Rules

IRS compliance rules for indirect rollover of a 457(b) account.

TSP Indirect Rollover Rules

IRS compliance rules for indirect rollover of a TSP account.

Traditional IRA Indirect Rollover Rules

IRS compliance rules for indirect rollover of a Traditional IRA account.

Roth IRA Indirect Rollover Rules

IRS compliance rules for indirect rollover of a Roth IRA account.

SEP IRA Indirect Rollover Rules

IRS compliance rules for indirect rollover of a SEP IRA account.

SIMPLE IRA Indirect Rollover Rules

IRS compliance rules for indirect rollover of a SIMPLE IRA account.

Pension Plan Indirect Rollover Rules

IRS compliance rules for indirect rollover of a Pension Plan account.

✅Trustee Transfer

401(k) Trustee Transfer Rules

IRS compliance rules for trustee transfer of a 401(k) account.

403(b) Trustee Transfer Rules

IRS compliance rules for trustee transfer of a 403(b) account.

457(b) Trustee Transfer Rules

IRS compliance rules for trustee transfer of a 457(b) account.

TSP Trustee Transfer Rules

IRS compliance rules for trustee transfer of a TSP account.

Traditional IRA Trustee Transfer Rules

IRS compliance rules for trustee transfer of a Traditional IRA account.

Roth IRA Trustee Transfer Rules

IRS compliance rules for trustee transfer of a Roth IRA account.

SEP IRA Trustee Transfer Rules

IRS compliance rules for trustee transfer of a SEP IRA account.

SIMPLE IRA Trustee Transfer Rules

IRS compliance rules for trustee transfer of a SIMPLE IRA account.

Pension Plan Trustee Transfer Rules

IRS compliance rules for trustee transfer of a Pension Plan account.

✅Trustee-to-Trustee Transfer

401(k) Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a 401(k) account.

403(b) Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a 403(b) account.

457(b) Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a 457(b) account.

TSP Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a TSP account.

Traditional IRA Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a Traditional IRA account.

Roth IRA Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a Roth IRA account.

SEP IRA Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a SEP IRA account.

SIMPLE IRA Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a SIMPLE IRA account.

Pension Plan Trustee-to-Trustee Transfer Rules

IRS compliance rules for trustee-to-trustee transfer of a Pension Plan account.

⚠️60-Day Rollover

401(k) 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a 401(k) account.

403(b) 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a 403(b) account.

457(b) 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a 457(b) account.

TSP 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a TSP account.

Traditional IRA 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a Traditional IRA account.

Roth IRA 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a Roth IRA account.

SEP IRA 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a SEP IRA account.

SIMPLE IRA 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a SIMPLE IRA account.

Pension Plan 60-Day Rollover Rules

IRS compliance rules for 60-day rollover of a Pension Plan account.