Can a Roth Catch-up be deposited to a Roth IRA rollover

[Renee H]

Participant is subject to the Roth catch-up mandate in 2026.  He has an old Roth IRA that is not part of the 401k plan.  Participants direct their own brokerage accounts. He is asking if he  rolls the Roth IRA to the Plan, will this enable him to deposit the Roth catch-up into the Roth rollover account.  He is trying to avoid setting up another brokerage account just for the Roth catch-up.  Is there anything else he should be concerned about in this scenario?

[C. B. Zeller]

An IRA can not be part of a qualified plan.

A Roth IRA can not be rolled over into a Roth account in a qualified plan.

Just set up the new account. Do it right.

[Renee H]

Thank you.  That is what they will do.