Roth 403b Contribution if MFS

[AMN]

If my employer offers a 403b plan that allows Roth contributions, can I make Roth contributions if I file taxes as MFS? I know that MFS generally disqualifies you from Roth IRA contributions, but I can't find information on if MFS also disqualifies you from Roth 403b contributions.

Thanks in advance!

[bovie]

Totally different rules than Roth IRA. Contribute away.

[AMN]

And the only downside to 403b Roth vs Roth IRA is the 403b has limited fund options, correct?

[bovie]

That will vary. Depends on your employer. But in general, yes.

Can always roll it over to a Roth IRA though. Solves that problem pretty easily.

[AMN]

Perfect, thank you!

[spiritrider]

Can always roll it over to a Roth IRA though. Solves that problem pretty easily.

The tax code and IRS regulations prohibit the in-service rollover of employee deferrals and associated earnings prior to age 59 1/2. Although, you can rollover after separation.

[AMN]

I'm just starting residency, so I figure I can just rollover the 403b to a Roth IRA when/if I move on for fellowship. I assume that's what you mean by separation?

[JBME]

yes