That is correct, it is all or nothing. I have verified with Alight. Before retiring, I could move any amount, but not after retirement. I did not know this until it was too late.
I cannot access it unless I move it all.
I am not spending it down, but thought I would start moving some to a Roth. I do have a 3 year CD ladder along with RMD's from TIAA
I have been retired for a year now and just turned 64. I left my 401K with Alight who managed it while I was employed at .25%. I ready to move it but cannot decide to where and what. The total is $1.1M. I have been working with a Fidelity advisor the past several years setting up a CD ladder...