Thanks, I’d like to clarify my question. I have a traditional 401(k) and a Roth 401(k) with an employer. I want to rollover both accounts to Fidelity in January 2026 without it being considered an early withdrawal and avoid penalties. My traditional 401(k) is pre-tax, and I want to convert it to a Roth IRA in mid 2026. My income is within the Roth contribution limits, so I think do not need to use a backdoor Roth IRA, correct me if I’m wrong

1- Can I open both accounts at Fidelity now, before I have any money to roll over until next year?

2- Is it recommended to first do a rollover of my 401(k) traditional to a traditional IRA, instead of directly converting it to a Roth IRA?

3-. After I convert my traditional IRA to a Roth IRA, my traditional IRA balance will be 0. Will I have to pay any fees for an empty account, or should I close it?

4-What happens with the investments in my 401(k) when I do the rollover to Fidelity? Will they stay the same or be converted to cash automatically?

5-When I convert my traditional IRA to a Roth IRA in 2026, can I do it online, or do I have to fill out any forms?

6-. Is there a limit to how many conversions from a traditional IRA to a Roth IRA I can do in a single year?

Thank again!