<prompt> Human: Im 48 and Ive been unemployed for 10 years now stayhome parent, I have no other savings or retirement accounts to speak of. How do I lessen the tax burden? Should I take installments over a 5 year period and roll them IRAs or roll over the whole thing into an IRA? Is a backdoor Roth an option in either or both cases? Are there monetary limits? Im currently working with someone at NWM, but I want to make sure Im making the right choice. Anyone want to help me graph this out?  <response>: As others have said, NWM is horrible. Avoid. 