As of 08/25/26. Total balance $15,274.33 across two funds: UC Pathway 2060 ($8,829.97) + UC Pathway 2025 ($6,444.36). Source breakdown (from Fidelity Contribution Summary, this is what matters for taxes): DC Plan Safe Harbor (Pretax) = $13,578.53, fully taxable as ordinary income on withdrawal. After-Tax = $1,695.80 total, of which $1,200.00 is already-taxed contribution basis (tax-free on withdrawal) and $495.80 is taxable earnings. Net taxable if fully withdrawn: ~$14,074.33 (92% of balance). No early-withdrawal penalty applies - Vilma is 64, past 59.5, and Pretax/Safe Harbor distributions are allowed at 59.5 or upon leaving UC employment either way. Rollover option: direct trustee-to-trustee rollover to a Traditional IRA defers all tax indefinitely, no tax due at rollover itself. Rough tax estimate if cashed out (household income under $100k, MFJ, CA resident per Crestline address on statement): ~12% federal bracket + ~2-4% CA state bracket on the $14,074 taxable portion = roughly $2,000-2,300 total tax, before any withholding. Also confirmed UC 403(b) and UC 457(b) plan accounts both show $0.00 - no balance in either.