<prompt> Human: I just became eligible for the 401k plan at my new employer. When I called John Hancock to roll my previous 401k, they told me that my plan does not allow roth rollovers HR has inquired about this and told me there is nothing they can do. Any advice? It is about 3k. Would there be a penalty if I just withdrew it?  <response>: Rolling it over to a Roth IRA is probably the easiest cleanest solution. But to answer your questions, since it is Roth there would be no penalty for withdrawing the original contribution, but there would be a penalty on any gains. 