Combining retirement accounts into one Self Directed IRA

[Catherine Cleveland]

I have a 401k, Roth, and TSP from military service. I still work (but plan on leaving the company where I am vested with my 401k). The Roth is from my previous life and i've made too much to contribute in the past 3-4 years so it's just sitting there. and TSP is quite small at about 13k. I'm planning to s-corp myself any my partner has all his retirement in the stock market. We'd like to take mine out and self direct it for use in real estate. Can I add all three into one account then utilize it that way?

[Dmitriy Fomichenko]

Catherine,

the only way you can combine all 3 accounts into one is by converting your pre-tax retirement funds into Roth. Then you can combine all of those accounts into single self-directed Roth IRA and utilize those funds for alternative investments.

More on the Roth conversion rules you can learn on the IRS website:

https://www.irs.gov/retirement-plans/retirement-pl...