Transferring Combo Pre-Tax/Roth 403b Contributions to a Roth IRA?

[Rozo]

2) Sounds like the Lincoln Financial rep I spoke to said they need to withhold the taxes from the pretax money upon transfer so I'll just get documentation...

[Rozo]

Hey everyone. I recently changed employers (internship to PGY2 residency program) and have about $25k of pretax dollars and about $25k of Roth dollars...

[Rozo]

I do have the cost basis information so I could certainly be judicious, but you're right that the 15% isn't the end of the world and I wouldn't end up...

[Rozo]

Oh yes didn't mention I am also maxing out my Roth IRA at Vanguard as well every year*

In terms of expenses:
Not currently married...

[Rozo]

Hey everyone, I have 3 questions. The first I think I know the answer to, the second and third I could use more guidance on.

I am about to...

[Rozo]

Thanks for the input everyone!

I think I am going to get the BPR (I will still be able to option up to the $20k+ range pending my income...

[Rozo]

Hey everyone,

I'm PGY1 going into a surgical subspecialty. Should be done with residency in ~5 years. I used Pattern to help me get a disability...

[Rozo]

Oh I agree completely! My dad laughed when I was on the phone with the FA and he said "I just want you to know we want to keep you around. It's not...

[Rozo]

As an update I've been slowly cleaning up my holdings. Currently at ~$20k of realized LTCGs and will continue moving in that direction.

My...

[Rozo]

So $10k is my expected income from residency in 2020 not going towards my 401(k). I'm living at home and have just started my intern year so I'm going...

[Rozo]

I have completed the transfer in kind and made a spreadsheet below.

1) I read that the LTCGs tax is 0% for income <$40k. Because I'll...

[Rozo]

Thanks all! Going to have the in kind transfer executed this week and move on from him. Now I just need to get my dad to read WCI...

[Rozo]

Unfortunately the FA can't hide behind inheriting the portfolio from someone else. It's been the same person managing them for us for >5 years, probably...

[Rozo]

Thanks again everyone for your very generous input!! I really never expected to get so much advice in the matter of 36 hours since posting this.
...

[Rozo]

Oh this would make sense! I will clarify with the FA.

Also in defense of the accountant, she didn't suggest spreading the withdrawals between...

[Rozo]

1) Thank you everyone for such quick and helpful responses! This has encouraged me to do what I was suspecting I should and prepare to move on from my...

[Rozo]

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So I don't think I misunderstood. He said (this was an email exchange):
"You have a lot of short term gains...

[Rozo]

I am a resident with 3-5 years left before attending time. I have been extremely lucky in life where I have no loans / debt and was gifted ~$150k in the...