Help with 401K after tax rollover to a Roth IRA

In my previous employers 401K account (I’m retired now) I have after tax contributions that I wish to be rolled over to a Roth IRA. The companies third party 401K administrator acknowledges the after tax or what they call non-taxable cash, but they want to send me the check for that after tax money directly payable to me instead of sending the check to Fidelity and making it payable to Fidelity for the benefit of me. My question is if they make the check payable directly to me in my name can I then deposit it into my Fidelity Roth IRA within 60 days to accomplish the transfer that I intended or does this after tax money transaction have to be a direct trustee to trustee rollover? I don’t want to miss out on the opportunity to put that after tax money into my Roth. Thanks for the advice.



The company must issue you a check for the after tax contributions plus the earnings on those contributions held in the after tax sub account. You can then either roll the total amount to your Roth IRA and pay taxes on the earnings, OR you can do a split 60 day rollover, first depositing the earnings in your TIRA and then depositing the after tax contributions in your Roth IRA. The TIRA rollover must be completed first.



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