I've been reading Ed's book, The Retirement Savings Time Bomb and I am finding it very helpful.  I would like to follow his basic advice to get as much of my retirement funds as possible into a Roth IRA.I'm confused, though, because it's not always clear to me whether a particular bit of advice is intended for people who are still working, or for those already retired and drawing money. 

Is it possible to transfer money out of my retirement plan and into an IRA and/or Roth while I am still employed?  Or is such transfer of funds possible only AFTER I retire and start taking distributions from the plan? And when Ed says something is permitted, I assume he means only that the IRS permits it:  am I right that the employer's PLAN might NOT allow some things even when the IRS does?

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