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Can I Roll Over a 401(k), 403(b), or Other Former Employer's Plan into a Self-Directed IRA?

Yes, you can move a 401(k) into a Self-Directed IRA! Self-Directed IRA custodians accept rollovers from qualified plans such as 401(k)s or 403(b)s.

You'll need to contact your current plan administrator to verify whether your account is available to be rolled into a Self-Directed IRA (SDIRA). In most cases, you can roll over your 401(k) to an SDIRA upon separation of service or retirement age (whichever is sooner). So whether it's through retirement, termination, or quitting a job, once you're gone, you should be able to roll over a 401(k).

Can You Move a 401(k) Into a Self-Directed IRA With a Direct Rollover?

Yes. Once someone ends a contract with their employer and has the right to distribute their 401(k) funds, they can do so with a direct rollover or indirect rollover.

Can You Roll over a 401(k) to a Self-Directed IRA if Your Company Terminates its 401(k) Plan?

Yes. If your employer terminates your 401(k) plan and no longer offers a retirement plan option, you are entitled to either withdraw those funds or roll them over into a Self-Directed IRA or Self-Directed Roth IRA. Once the company terminates the 401(k) plan, all of the funds in that account belong to you. Rolling those funds over into your IRA is often a great idea that will likely make the funds earn more for you in the long term. Please note that if you withdraw and keep the funds, they are taxable income.

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Corporate Headquarters:
Madison Trust Company
401 East 8th Street • Suite 200
Sioux Falls, SD 57103
Mailing Address:
Madison Administration Company
One Paragon Drive • Suite 275
Montvale, NJ 07645
Hours:
Monday - Thursday: 9:00AM - 6:00PM EST
Friday: 10:00AM - 4:00PM EST
Saturday/Sunday: Closed
Contact:
(800) 721-4900
[email protected]
F: 845-947-1212
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