Financial firms are advising retirement experts and plan administrators to exercise care when considering a move from a client's traditional 401(k) plan to a Roth 401(k) after the American Taxpayer Relief Act last week eased restrictions on doing so. Questions remain about whether the Internal Revenue Service will allow safe-harbor 401(k) plans to transfer to in-plan Roth 401(k) plans in 2013, according to this article. Also, new rules cover in-plan Roth transfers, not rollovers, although many rules that pertain to rollovers will apply to transfers as well, according to Sungard's Relius.

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