I am trying to gather info on the IRA rollover. I am piecing together info I found on the web. 1. Can I Use an IRA Rollover to Move Funds Out of My Company Retirement Plan While I Still Work There? Probably not. Most company retirement plans do not allow you to roll funds out of the plan while you are still employed. To find out if they do, you can call your plan sponsor, and ask if they allow what is called an "in-service distribution". Does AT&T allow? Does TIAA/CREF allow? An in-service distribution is a different type of transaction than a loan or hardship withdrawal. An in-service distribution is a transaction where you can rollover a portion of funds in your plan into a self-directed IRA account while you are still employed. Only some plans allow this. No Longer Employed Once you are no longer employed, it may make sense to roll funds from your plan into an IRA account. At that time, to avoid tax withholding, you'll want to choo