1. 我的理解是:应该要当作Income交当年(即2023年)的Income Tax,这个没问题,今年没有什么主动收入。但是,可以避免10%的Early withdraw penalty吗?(咱离59 1/2还早)
as long as you move the money within Rollover deadline, you don't have to pay 10% penalty. Rollover deadline is 60 days, from the 401K sending you a check to depositing the money into next IRA account.
2. 我打算转成Roth IRA,应该怎样操作?(我只在Charles Schwab有IRA & Roth IRA帐户)
Call your 401K administrator for procedure. Usually they'll mail you a check and you deposit the check at ROTH IRA. Or maybe there is online transfer option.