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401k fees deducted from Roth or Trad balance?

Reviewed my transaction detail from a former employer's 401k plan and noticed that prior to 4/25/11, 100% of the monthly "administrative fees" deducted by the custodian have been against the pre-tax balance in the account. Since that date, 100% of the fees are instead reducing my roth bala...
by tandy1000rl
Sun Jan 19, 2014 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k fees deducted from Roth or Trad balance?
Replies: 1
Views: 141

Re: HSA balance now zero, am I done?

After reading http://www.tangohealth.com/posts/health-savings-accounts/should-i-close-my-health-savings-account-hsa/ and associated IRS Notice 2008-59, it suggests the conclusion reached in my previous post is wrong, and that I can in fact use my new HSA and funding to pay for medical expenses incur...
by tandy1000rl
Tue Dec 24, 2013 5:45 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA balance now zero, am I done?
Replies: 1
Views: 965

HSA balance now zero, am I done?

Background: Through April 2013 I was on an HDHP HSA plan. That month, I switched employers and joined a non-HSA plan for the remainder of 2013. During this year's open enrollment, I selected an HSA plan offered by my new employer for 2014. Unfortunately, my old HSA account that was funded with monie...
by tandy1000rl
Wed Dec 11, 2013 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA balance now zero, am I done?
Replies: 1
Views: 965

Re: Roth 401k to Roth IRA rollover

Thank you sir (I was hoping you would chime in on this). Glad to hear I didn't create a tax liability and that the Fidelity and Vanguard advisors didn't lead me astray on this transaction. It's also now clear the distinction between Roth contributions vs after tax contributions (previously thought t...
by tandy1000rl
Mon Sep 30, 2013 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA rollover
Replies: 3
Views: 546

Re: Roth 401k to Roth IRA rollover

Bump...
by tandy1000rl
Sun Sep 29, 2013 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA rollover
Replies: 3
Views: 546

Roth 401k to Roth IRA rollover

Forum search revealed lots of debate about whether one must apply pro-rata rules when rolling over after tax 401k balances to Roth IRAs while simultaneously rolling pre tax 401k amounts to a traditional IRA. However, is there a distinction between "after tax" contributions and designated R...
by tandy1000rl
Wed Sep 18, 2013 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA rollover
Replies: 3
Views: 546

Is form 8606 TIRA basis lost after backdoor roth?

Hello all, I have 11 dollars of nondeductible TIRA basis in line 14 of my 2011 form 8606 after a clean backdoor Roth performed during that year: 1. 12/31/10 TIRA balance = $0 2. 2011 nondeductible TIRA contribution = $5000 3. 2011 TIRA-->ROTH conversion = $4989 4. 12/31/11 TIRA balance = $0 Now that...
by tandy1000rl
Mon Jan 28, 2013 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is form 8606 TIRA basis lost after backdoor roth?
Replies: 3
Views: 756

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