401(K) ROLLOVERS

1. Consolidate Your Retirement Savings

When you leave a job, you have several options for what to do with your old 401(k). One of the smartest moves is to roll it over into an Individual Retirement Account (IRA) or a new employer's 401(k) plan. A rollover allows you to maintain the tax-advantaged status of your retirement savings while gaining more control over your investments.

We guide you through the entire rollover process, ensuring it's done correctly to avoid taxes, penalties, and unnecessary fees.

2. Your 401(k) Rollover Options

  • Rollover to a Traditional IRA: Maintain tax-deferred growth with more investment choices
  • Rollover to a Roth IRA: Convert to after-tax dollars for tax-free withdrawals in retirement
  • Rollover to a New 401(k): Consolidate accounts with your new employer's plan
  • Leave It Where It Is: Keep your 401(k) with your former employer (if allowed)
  • Cash Out: Withdraw funds (subject to taxes and penalties if under 59½)

Most people benefit from rolling over to an IRA, which offers greater flexibility, lower fees, and more investment options.

3. Benefits of Rolling Over Your 401(k)

  • Consolidate multiple retirement accounts into one
  • Gain access to a wider range of investment options
  • Potentially lower fees and expenses
  • Simplify retirement planning and account management
  • Avoid mandatory distributions from old employer plans
  • Maintain tax-deferred or tax-free growth

4. How the Rollover Process Works

The rollover process is straightforward when you have expert guidance. We'll help you open an IRA (if needed), coordinate with your former employer's plan administrator, and ensure the funds are transferred correctly through a direct rollover to avoid tax consequences.

The entire process typically takes 2-4 weeks and can be done without ever touching the funds yourself.

5. Get Expert Rollover Assistance

Don't leave your retirement savings sitting in an old 401(k). Let us help you roll it over into an account that works harder for your future.

Start your rollover or speak to a rollover specialist to learn more.