Deductible Traditional IRA to a 401k

[Guest Elfman]

Can you transfer a (deductible) traditional IRA to a 401k plan?

[FundeK]

Yes, if the 401(k) plan document allows for it.

[Guest Nautical]

Your Summary Plan Description should outline what can be rolled over into the plan. Usually there is a time limit to roll over an IRA into a 401(K). I would look into this right away.

[FundeK]

Usually there is a time limit to roll over an IRA into a 401(K).

You can now rollover any IRA contributions (other than after-tax) to your retirement plan if the plan allows. There is no time limit that I know of. What time limit are you refering to? Maybe the 60 day window for a Conduit IRA? That really doesn't apply after the passage of EGTRRA.

[Lori Friedman]

An IRA-to-QP rollover can be very advantageous. Traditional IRA distributions must begin after age 70-1/2, regardless of whether the individual has retired from his/her employment. In general, however, someone who continues to work after age 70-1/2 can delay QP distributions until actual retirement. IRA rollovers are treated as QP assets and get included in this more favorable treatment.