关了自己的s-corp公司后，需要把individual 401k也关掉吗？

请问一些做过independent contractor的人，当你close你的s-corp以后，你是不是一定要close你的individual 401k account？
我现在vanguard开有一个individual 401k，我打电话过去问。那个agent说不知道，需要问我的tax advisor。可是我觉得做我税的accountant也不是很清楚。
我自己希望是能够让这个account就这么留着，而不是rollover到IRA去。
不知道有谁有类似的经验，请指教。

Yes. The plan has to be terminated if your entity is closed. The plan asset should be rolled over to an IRA.

Why did you close the S-Corp, why not just keep it even though no income?

Yes. The plan has to be terminated if your entity is closed. The plan asset should be rolled over to an IRA.
amoy 发表于 2023-05-11 18:11

多谢。我自己在网上Google了一下，确实需要这么做。但一个网站说，IRA rollover以后，要交一个1099-R，这有一点怪。

Why did you close the S-Corp, why not just keep it even though no income?
desiderata 发表于 2023-05-11 20:38

作为S-corp，即使没有收入，我们州也要交$500的税。LLC可以留下来，只需每年交$75的registration fee。
反正以后也不再做consultant，所以干脆close。

可以roll over to a newly opened, separated rollover IRA account, not mixed with your current IRA. and all positions can be kept as is.

可以roll over to a newly opened, separated rollover IRA account, not mixed with your current IRA. and all positions can be kept as is.
《香》 发表于 2023-05-11 23:35

多谢，我会这么做的。