at my previous employer (2004-2010), we had a company-funded profit sharing plan. i no longer have details of the plan nor do i know my total (since they stopped sending statements). i have been reluctant to contact them to get info in the event it would require me to move my funds before i had a gameplan in place.
i think the plan was funded with pre-tax dollars. and i think my total is somewhere around $120k.
i do recall that it was more of an actively managed plan with a higher percentage of funds allocated to bonds. i seem to recall the annual fees were ~1%+ and the stock/bond ratio around 60/40 or 70/30 as it was covering all employees in the company and more targeted for those nearing retirement.
i think it makes more sense for me to get it into either my roth (vanguard 2045 retirement plan) or my company roth-401k (also VG2045).
i assume during the rollover process, i would have to pay taxes. would these be calculated at my marginal rate? my wife and i will be filing jointly and be in the 25% bracket. are there also cap gains taxes i would need to pay on any dividends? anything else i should consider?
lastly, i'm a little tighter on cash right now than i would like, so is there any way to cash out some of the rollover to pay for the taxes?
thanks