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Ask an Advisor: Should I Move My Roth 401(k) to a Roth IRA? Do I Need to Wait 5 Years Before Making Withdrawals?

calendar_today July 20, 2026 person Tanza Loudenback domain smartasset

I retired four years ago and will be 73 next year. Does it make sense to move my Roth 401(k) to a Roth IRA? Better choices, but more costs to manage.

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