- Can one rollover a Trad. 401k to Trad. IRA at ANY TIME? https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work 20 comments personalfinance