Rolling over a 401(A) into a Traditional IRA
As title states, I have a 401(A) with Empower that I am eligible to rollover even though I am below retirement age via a Separation in Service transaction.
The issue is that they do not offer a direct rollover, the only thing they will do is mail me a check and are forcing me to withhold 20% minimum for tax purposes. I understand that as long as I deposit the check within 60 days it does not create a taxable event, but will I have to foot the 20% withheld myself, and then wait to get it back during my next tax filing?
Also wondering what the implications of doing this are if I want to do a backdoor Roth in the future.
Anyone on this subreddit know who I should call for this kind of stuff? Account is too small for a CFP and I plan on running the portfolio myself anyway. CPAs haven't returned my calls.
Edited to add: Location is Oregon, USA