The Roth Rule Change That Could Reshape Retirement Planning

Mason Street Retirement Insights · Jun 23, 2026 · 7m

Could moving Roth IRA money back into a workplace retirement plan ever make sense? Sean Mason explores a proposed rule change that would allow Roth IRA assets to roll into employer-sponsored Roth plans and breaks down the situations where it might help—or where it may not. The conversation covers early retirement withdrawals, 401(k) contribution limits, employer matching, loan provisions, and the tradeoffs between workplace plans and IRAs.

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