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REDDIT

Can 401k Rollovers be split to multiple locations?

I
May 9, 2025 · 18:33

So I have the following Tax-Advantaged investments in 3 separate places:

1) Personal Roth IRA at Location #1 (Note: I've also made my max 2025 contributions if this matters).

2) Current Employer 401k that includes both post tax 401k (incl employer contribution) and Roth 401k at location #2

3) Previous Employer 401k that includes both post tax 401k (incl employer contribution) and Roth 401k at location #3

I want to roll over my 401k from location #3 (previous employer) into location #2 (Current employer). However, I see that it is possible to roll a Roth 401k into a Roth IRA. (I have no interest in rolling the 401k into a traditional IRA). So now I'm wondering if I can roll over the Roth 401k from my previous employer into my personal Roth IRA.

Is it possible to rollover the post tax 401k and Roth 401k from the same place to two separate places, executing one as a post tax 401k-> post tax 401k, and one as a Roth 401k->Roth IRA? Does this interact with my Roth IRA annual contribution limits? (I would assume not, but I'd rather ask the question beforehand)