roll over advice

[Animorph]

Quote:

Originally Posted by wrichards58 that is what we are looking at.... with pensions a year total 67,000.. we will convert over to a Roth as much as we can to stay within the right tax bracket. But should we roll over all his 403b into the IRA this spring

If that's a question at the end, then there is no tax reason to split the rollover. It's only the Roth conversion that you have to do piecmeal.

[kaneohe]

If it is of any interest and depending on what your state offers or not, you
might want to consider whether (if your 403B plan is ERISA protected) keeping the 403B with its possibly greater creditor protection (state-dependent) has any value compared to the rollover into an IRA. CA, for example, doesn't have very good protection for IRAs. Don't know about your state.