Re:Layoff Runbook
by ASinclair on Monday April 24, 2023 @07:19PM
(#35694557)
Another reason to keep the funds in a 401(k) is to allow you to keep using the Backdoor Roth IRA without worrying about the Pro-rata Rule.
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You should be able to transfer a rollover IRA to your latest employer's 401k (and I think a regular, non-Roth, non-rollover IRA as well). One could probably enjoy unrestricted security choice of the traditional brokerage, then move funds back to the 401k before doing a backdoor Roth.
That said, I would talk to a financial advisor before moving large sums of money between account types. My 2c.