Hello , need some advice . Have around $150 K in traditional 401k at Vanguard and switching to Accenture who I believe have Fidelity as 401K provider. Have following questions:
1. Do I just leave the money where it is ?
2. I am moving from 24% to 32% bracket and expect to be in higher bracket when I retire. What are optimal options ? Roll over into traditional 401k or do IRA ? I don’t have any IRAs currently .

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We use Alight. 3rd party with plenty of fund options, including vanguard funds and fidelity funds. You can do a roll over to ACN when you start - are they in a vanguard fund or your employers broker? Doing roth ages ago would’ve been an option at a lower bracket, or doing a Roth conversion ladder between when you stop working and have RMDs if you stop early. After that, you could convert it and pay taxes in a down-market year.

ACN has a Roth 401k and trad 401k. We also have a megabackdoor up to 15k extra. And a 1:1 match to 6%. These are in addition to an IRA.

The tax brackets will ratchet up so unless you’re really saving extra, you could be right in line. It’s hard to say.

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doesn’t Deloitte also have the option of a mega back door Roth?

Will let others weigh in, but be very careful on point 3. When you convert it’s at your ordinary rate combined with your total wages, bonuses, and short term stocks, etc. so only convert when your income is very low in layers. Definitely don’t convert all of it from traditional to Roth unless you want another $150k in income to pay taxes on.

Also, all else being equal the difference between now and the future is your estimated tax rate.

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I like having my money in the same place. I’d roll over to the new trad 401k. Vanguard will write you a check to the new broker.

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Also open a trad and Roth IRA and start finding those. That’s 6k tax free growth you’re missing out on

If it lets you, I would do 1

You might be over the income limits for an Ira. I suggest a mega back door roth if your company allows it.

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