Can I transfer self-directed Roth IRA to a Self-Directed Solo 401k?

QUESTION:  Any progress with the laws where we can transfer over my self directed Roth to a self-directed solo 401k?  I have mine with Pensco and they are a huge pain.

All the best, Roger P. from Kansas

ANSWER: Unfortunately the IRS has not changed its position in the restriction of transferring Roth IRA funds to a Roth Solo 401k. I don’t foresee the IRS ever changing this rule. However, even though it doesn’t help your current situation, you may be happy to know that the IRS rules to permit the direct rollover of a Roth Solo 401k to a Roth IRA, which may be of interest to those once they reach the RMD age requiring Solo 401k account holders to begin making the annual required minimum distributions once they reach age 70 ½. Basically, by directly rolling over the Roth Solo 401k to a Roth IRA you escape the RMD since it does not apply to Roth IRAs. Lastly, the end of the year 2012 recent law changes only affected Roth 401k plans, and we recently published the following blog regarding these changes.

Also, click here to view chart published by the IRS that further confirms a Roth IRA cannot be transferred to a 401k.

About Mark Nolan

Each day I speak with energetic entrepreneurs looking to take the plunge into a new venture and small business owners eager to take control of their retirement savings. I am passionate about helping others find their financial independence. Having worked for over 20 years with some of the top retirement account custodian and insurance companies I have a deep and extensive knowledge of the complexities of self-directed 401ks and IRAs as well as retirement plan regulations. Learn more about Mark Nolan and My Solo 401k Financial >>


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