What should I do if I have a pre-tax/Traditional 401k or IRA and do not want to roll into my Roth IRA?

While the program allows rollovers, you may incur taxes on the amount you rollover by rolling a pre-tax retirement account into a Roth IRA. Please consult with a tax advisor before taking a distribution from your previous provider. If you would like to retain the pre-tax money being rolled over, please first recharacterize your IRA to a Traditional via the recharacterization form, then take the distribution.