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Tiaa cref recharacterization form

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The document provides instructions for TIAA-CREF Brokerage Services' Roth Conversion and Recharacterization Request. It outlines the necessary participant information, conversion and recharacterization procedures, tax consequences, and withholding elections. Participants are advised to consult a tax professional regarding eligibility and potential tax liabilities associated with converting a Traditional IRA to a Roth IRA or recharacterizing contributions. The form must be completed accurately and signed to process the request.

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Why would an IRA be recharacterized?

If you discover your income is over the Roth IRA income limit, for example, and you wish to avoid a 6% penalty on excess contributions, one option is to recharacterize or reclassify your contribution from a Roth IRA to a traditional IRA.

Can I transfer my TIAA CREF to a Roth IRA?

Make this request within 60 days of your distribution to roll over your qualified retirement funds. This request can be used to convert TIAA annuities, mutual funds, and self-directed brokerage assets into your TIAA Roth IRA. Be sure to consult your tax advisor to understand tax implications. Deposit funds.

What is the form for recharacterization of IRA?

If you recharacterized only part of the contribution, report the nondeductible traditional IRA portion of the remaining contribution, if any, on Form 8606, Part I. If you recharacterized the entire contribution, dont report the contribution on Form 8606.

What is the difference between an IRA conversion and recharacterization?

Think of IRA conversions as allowing you to transfer funds from a non-Roth IRA account into a Roth IRA account, often with a taxable impact. Think of IRA recharacterizations as a set of special rules allowing you to change your mind about the type of your current year IRA contribution.

What is the TIAA controversy?

On August 5, three Named Plaintiffs sued TIAA and Morningstar in the S.D.N.Y., claiming Defendants engaged in a scheme to enhance corporate profits by counseling participants to invest in two of TIAAs most lucrative investment vehicles. Plaintiffs target ERISA and non-ERISA plans.