Earlier this year, a client rolled over an old 401(k) into her IRAs at TD Ameritrade (where we manage our clients’ investments). She received, correctly, two checks from her 401(k): one for her pre-tax 401(k) account and one for her Roth 401(k) account. She mailed both of those checks to TD Ameritrade…and they were both automatically dumped into her traditional IRA.