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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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IRS approval for Roth 401(k)

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Do I need IRS approval to switch to a Roth 401(k)?

A: No, any 401(k) plan can adapt the Roth option without affecting it's pre-approval status. In other words if your 401(k) plan has a determination letter (either the individual plan or the master submitter plan) then adoption of the IRS-approved Roth amendment does not negate the approval. On the other hand, if your 401(k) plan does not have a pre-determination letter, then adoption of the IRS-approved Roth amendment does not give the plan any additional assurance.


More resources:

Freedom Benefits abbreviated copy of IRS Notice 2006-44