Long time listener, first time caller.
I am a partner in my company’s 401K and have been requesting the opportunity to utilize the Roth match under the Secure Act 2.0 provisions. The Recordkeepers (Empower in this case) currently do not have the infrastructure to support the Roth match on their systems.
I have a SDIRA and wondering if I can execute an in-service withdrawal with Roth conversion of the employee match instead of waiting and losing out on the opportunity this year, but I don’t know if the vesting schedule would interfere with idea of getting access to the opportunity.
Moreover, my 401K severely limits my choices and I want to learn every angle available (except economic hardship loan) to pull out cash for Main Street investing into the SDIRA and keep it out of the hands of Wall Street!