Because of the different tax treatment, roll the Roth 401(k) money into a Roth IRA. By Kimberly Lankford, Contributing Editor From Kiplinger's Personal Finance, July 2014 I have access to a traditional and a Roth 401(k). How much can I contribute to each, and will there be tax issues if I roll the money into an IRA? --Todd Donohue, Potomac Falls, Va.See Also: Why You Need a Roth IRA You can split the traditional and Roth contributions to the 401(k) any way you choose, as long as you don’t exceed the $17,500 annual limit ($23,000 if you’re 50 or older). Traditional 401(k) contributions are pretax, and the withdrawals are taxable. You pay taxes on Roth 401(k) contributions, but withdrawals are tax-free in retirement. Because of the different tax treatment, you should roll the traditional 401(k) money into a traditional IRA and the Roth money into a Roth IRA. “That will make record keeping a whole lot easier,” says Stuart Ritter, a certified financial planner with T. Rowe Price. Got a question? Ask Kim at email@example.com.