u/Arthas_85

Let me start with some quick info.

I have three retirement accounts with two institutions and I am looking for your opinion on the most efficient option to condense them.

I have a self funded Roth IRA through (Charles Schwab)

$36k

A rollover IRA from a previous employer 401k (Fidelity)

$4,100

And a current employer 401k (also Fidelity)

$8,000

I am trying to decide on what I should do with the rollover IRA.

Should I transfer it into my Roth which would get me closer to being fully funded for the year. Or can I combine the rollover IRA into my existing 401k?

Unsure if it matters but the 401k that was turned into a roll over IRA and the existing 401k were provided by the same employer. I left a couple years ago and I am now back.