Retirement Rollovers

A rollover is the movement of funds from one retirement account to another such as a 401k to an IRA. There are many reasons you may need to make a rollover and doing so improperly can have major tax consequences. Make sure you know your rollover options by downloading our free guide. 


Rollover basics

Moving money from one retirement account to another allows you to continue deferring tax on the assets in the plan. 

You can move money from an employer plan (like a 401k) to an IRA and you can also move money between IRAs. Remember, an improper rollover can cause unintended tax consequences so make sure you know your options and special circumstances. Download the planner to learn:

  1. How to properly perform a rollover
  2. Types of rollovers available to you
  3. When you should and shouldn't roll over your retirement assets
  4. Rollover rules when dealing with multiple accounts 

Free Rollover Guide

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Why you Should you move your employer plan to an IRA

  • You generally have more investment choices with an IRA than with an employer's 401(k) plan. You typically may freely move your money around to the various investments offered by your IRA trustee, and you may divide up your balance among as many of those investments as you want. 
  • You can freely allocate your IRA dollars among different IRA trustees/custodians. There's no limit on how many direct, trustee-to-trustee IRA transfers you can do in a year. 
  • An IRA may give you more flexibility with distributions. 
  • You can roll over (essentially "convert") your 401(k) plan distribution to a Roth IRA. 
  • Fees associated with your IRA may be cheaper than those in your 401k. 
  • Lump-sum distributions made available in pension plans may become restricted over time. 

Making the rollover decision the right way

Need help deciding on whether to rollover your retirement funds? Want help making sure that trustees follow the rollover rules so you don't get hit with an unintended tax bill? 

We offer free consultations and can help you make these decisions. Schedule your free consultation today.