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    ary is and the terms associated with your company plan. Basically, you usually can’t stretch a 401(k) accou
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    A reader recently asked if his 401(k) could be rolled over, by his beneficiary, to a 'stretch' IRA after his death. Read on to discover an answer that will protect your beneficiaries from tens of thousands of dollars in unnecessary taxes and keep your gift to them alive for generations to come.

    Whether or not your beneficiary can rollover your 401(k) at your death (and subsequently stretch it) depends on who your beneficiary is and the terms associated with your company plan. Basically, you usually can’t stretch a 401(k) accoun

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    Whether or not your beneficiary can rollover your 401(k) at your death (and subsequently stretch it) depends on who your beneficiary is and the terms associated with your company plan. Basically, you usually can’t stretch a 401(k) accou

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    s in unnecessary taxes and keep your gift to them alive for generations to come.

    Whether or not your beneficiary can rollover your 401(k) at your death (and subsequently stretch it) depends on who your beneficiary is and the terms associated with your company plan. Basically, you usually can’t stretch a 401(k) accou

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    eneficiary can rollover your 401(k) at your death (and subsequently stretch it) depends on who your beneficiary is and the terms associated with your company plan. Basically, you usually can’t stretch a 401(k) accou
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    ary is and the terms associated with your company plan. Basically, you usually can’t stretch a 401(k) account directly, but if that money is rolled into an IRA, you can. This is a situation where the details matter.

    Let's assume for the sake of illustration that you have a wife and 3 children. If your spouse is the beneficiary, she can roll the money from your 401(k) to her own IRA. Assuming that she has named the 3 children as beneficiaries of her IRA, they would have the ability to stretch it at her death. (‘Stretching’ an IR

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