I am over 55. My 401k contributions and earnings are post 2005. I have left the company and am moving the money. I received one check "for the benefit of" that has been rolled into a TIRA within 60 days. I received another check to me for the balance as "after tax money contributed to the account." There was no 20% witholding. I am now employed by another company and considered a highly compensated employee (over standard Roth contribution levels). I do have an established Roth IRA however that is over 5 years old. Q: Can I take the monies to me from the after tax and put in a Roth IRA without tax consequences?