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403(b) to Gold IRA Rollover

What to verify before moving an eligible 403(b) distribution into an IRA that permits qualifying precious metals.

A 403(b) rollover starts with plan rules and distribution eligibility. If an eligible distribution is available, direct rollover treatment can generally avoid the mandatory withholding that applies when an eligible employer-plan distribution is paid to you.

Do not skip the plan administrator

Ask the plan administrator which portion is eligible for rollover, whether any restrictions apply, and how the direct-rollover paperwork works. Then confirm the receiving IRA can accept the funds.

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