Your existing IRA can be rolled over to another provider without any taxes, if rollover happens in 60. If a distribution from an IRA or a retirement plan is paid directly to you, you can deposit all or a portion of it in an IRA or a retirement plan within 60 days. Move from Traditional IRA to Roth IRA, could lead to taxes or penalties based on your age. One must be separated from one's employer to roll your 401k into a Roth IRA. Please feel free to contact us before making any IRA rollover decisions.