On Mar 14, 9:25 am, BreadWithS...@[EMAIL PROTECTED]
wrote:
> also,
> 3. If you have employer stock in that 401k with a big
> gain embedded in it, there may be good reason to
> make the company stock a taxable distribution,
> since it may be treated differently tax-wise. Talk
> to an accountant. Google for "Net Unrealized Appreciation"
Bread, thanks for the additional insights. Very informative, as
usual.
NUA is definitely something to take into consideration. To be honest,
I forgot about it when throwing my list together. While it's
definitely pertinent info, I'm not sure it classifies as an advantage
or disadvantage of rolling-over (which you may not have meant it to
be). To employ the NUA rules, one must leave the 401k but not enter
and IRA. It's more like a third option, don't you think.
Note to OP: If NUA applies, you can still roll the non-NUA assets to
an IRA (or not).
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