Your plan might have adopted an expanded Roth in-plan conversion feature. This feature would allow you to convert all or part of your pre-tax and traditional after-tax money to Roth money within the plan.

Dec 12, 2025 · The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. It was established …

Dec 24, 2025 · What is an in-plan Roth conversion? An in-plan Roth conversion allows retirement savers to transfer eligible pre-tax or post-tax funds from their employer-sponsored retirement plan to a Roth …

Mar 20, 2025 · A Roth in-plan conversion allows employees to shift pre-tax retirement savings within an employer-sponsored plan, such as a 401 (k), into a designated Roth account. This process triggers …

In-Plan Roth Conversion: An in-plan Roth 401(k) conversion is a transfer from any non-Roth account, e.g., a 401(k) account, to a Roth 401(k) account within the same plan.

Dec 7, 2025 · An in-plan Roth conversion represents a strategic financial maneuver allowing participants to shift pre-tax retirement savings into a Roth account within the same employer-sponsored plan.

When you do a Roth in-plan conversion, the amount you convert becomes part of your taxable income for the year, and you’ll owe income tax on the conversion amount at your income tax rate.

Aug 19, 2025 · In essence, an in-plan Roth conversion involves transitioning vested funds from one account type to another to secure tax-free withdrawals in the future while incurring tax liabilities at the …

Moving plan assets from a traditional, pretax retirement account to a Roth account may help some plan participants meet their savings goals. Learn the basics about how this can be done within an existing …

Dec 23, 2025 · Starting on January 28, 2026, the Thrift Savings Plan (TSP) will allow TSP participants to convert portions of their traditional (before-taxed) TSP account to their Roth (after-taxed) TSP …