Q. If I roll over funds outside of my employer-sponsored plan into my employer-sponsored plan, will these rolled-over monies come under the same required minimum distribution rules as the employer-sponsored plan?

A. This is the case, but the rules are complex, and you should always check with a tax accountant to make sure that you are complying with the law.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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