[Michelle]

With no employer account, you’d roll them into IRAs, the same time as how you contributed (Roth or traditional). Note that if you ever need to backdoor Roth, having a traditional IRA would be an issue. If you don’t ever expect that, you’d just choose a brokerage firm and contact them to figure out exactly what you need to do to roll everything together (then make sure you invest it and reinvest dividends and capital gains).

[Author]

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