Can I roll my old 401(k) into my Solo 401(k)?
Short answer
Usually, yes. Many Solo 401(k) plans accept money from old employer 401(k)s, and a direct rollover moves it without tax, as long as pre-tax money goes to the pre-tax side and Roth money to the Roth side.
Otavio Mayole, Co-founder, DeCypher FinancialsUpdated
Why creators do it:
- One account instead of three old ones scattered across past jobs
- More control over how the money is invested
- Keeping pre-tax money out of IRAs, which keeps the door open for backdoor Roth contributions at higher incomes
How to do it cleanly:
- Check that your Solo 401(k) accepts rollovers. Not every provider's plan does.
- Ask for a direct rollover, sent straight from the old plan to the new one. If the check is made out to you instead, tax can be withheld and you face a 60-day deadline.
- Keep Roth and pre-tax money separate.
Rollovers don't count against your yearly contribution limit.