You Left the Job.
Why Is Your 401(k) Still There?
Changed jobs or retired? You may have an opportunity to roll over your old 401(k) into an IRA and explore retirement planning options that better fit your needs.
Don't make a withdrawal or transfer decision without understanding your options. Find out whether your retirement account qualifies for a rollover.
Free consultation • No obligation • No account transfer required
Could Your Old 401(k) Be Working Better for You?
Your former employer's retirement plan may still be a good option. But an IRA rollover could provide different opportunities worth comparing before you decide.
More Retirement Choices
Depending on the IRA provider, you may have access to a wider selection of investments and retirement planning strategies than your old employer plan offers.
Consolidate Old Accounts
Eligible retirement accounts may be combined into one IRA, making it easier to review balances, beneficiaries, and your overall retirement strategy.
Plan for Retirement Income
Explore ways to position your retirement savings around your future income needs, financial goals, and retirement timeline.
Don't Cash Out Your 401(k) Before Understanding the Consequences.
A cash withdrawal from a traditional 401(k) may create immediate income taxes and possible early-distribution penalties. An eligible direct rollover to a compatible IRA can generally preserve tax deferral.
A short conversation today could help you avoid making an uninformed decision about years of retirement savings.
Who May Qualify for a 401(k) Rollover?
Eligibility depends on your employment status, retirement plan rules, and the type of funds in your account.
You Changed Jobs
If you left your previous employer, your old 401(k) may be eligible for a rollover.
You Are Retired
Retired individuals may have rollover options depending on their plan and distribution eligibility.
You Still Work for Your Employer
Some plans allow in-service distributions under specific conditions, including certain age and plan requirements.
You Have Multiple Old Accounts
You may be able to consolidate eligible retirement accounts into an IRA, depending on account types and tax treatment.
Why Consider an IRA Rollover?
An IRA can offer additional flexibility for some retirement savers. Here's what to compare.
Keeping Your Old 401(k)
Your existing plan may offer competitive fees, institutional investments, special withdrawal provisions, or valuable creditor protections. It may be worth keeping.
Rolling Over Into an IRA
An IRA may offer broader investment choices, account consolidation, and different retirement planning options. Compare fees, protections, withdrawal rules, and services before moving.
Good to know: An eligible direct rollover of pretax 401(k) funds into a traditional IRA generally avoids immediate federal income tax. Fees or other restrictions may still apply, and an IRA rollover is not automatically the best choice for everyone.
Why Review Your Old 401(k) Now?
You don't need to rush into a rollover. But you also don't have to keep wondering whether your current plan still fits your needs.
Know Your Options
Understand what choices may be available before making a transfer or withdrawal.
Review Your Goals
See whether your existing retirement account aligns with your plans for the future.
Make an Informed Decision
Discuss rollover eligibility, possible benefits, and important considerations.
Common Questions About 401(k) Rollovers
Get answers before deciding what to do with your retirement account.
Can I roll over my old 401(k) into an IRA?
Generally, eligible distributions from a former employer's 401(k) can be rolled into an IRA. Your plan's rules and the type of funds determine eligibility.
Do I have to leave my job to qualify for a rollover?
Not always. Some plans permit in-service distributions under certain conditions. Your plan administrator can confirm whether your funds are eligible.
Will I pay taxes if I roll over my 401(k)?
An eligible direct rollover from a traditional 401(k) to a traditional IRA generally preserves tax deferral. Roth conversions and other transactions may have different tax consequences.
What are the benefits of an IRA rollover?
Potential benefits include different investment choices, account consolidation, and more flexibility in retirement planning. Actual advantages depend on the accounts and providers being compared.
Can I combine multiple old 401(k) accounts?
Eligible retirement accounts may be consolidated through rollovers. Tax treatment, account types, and plan rules should be reviewed first.
What happens if I withdraw my 401(k) instead?
A traditional 401(k) cash withdrawal is generally taxable and may be subject to an additional 10% early-distribution tax unless an exception applies.
Is there a deadline to roll over my old 401(k)?
There is generally no universal deadline requiring a former employee to immediately roll over an old 401(k). Different deadlines can apply after receiving a distribution, including the usual 60-day rollover rule.
How do I know if I qualify for a rollover?
Your employment status, plan provisions, account type, and distribution eligibility are important factors. Request a complimentary review to explore your options and identify what information is needed to confirm eligibility.
Is the retirement rollover consultation free?
Yes. The initial consultation is complimentary, with no obligation to move your retirement savings or purchase a product.
Three Steps to Explore Your Options
Request Your Review
Complete a short form with basic information about your retirement account and goals.
We Contact You
Our team contacts you at your preferred time to arrange a complimentary consultation.
Explore Your Options
Discuss rollover eligibility and available retirement planning choices with a licensed professional.
Your Old 401(k) Could Have More Options Than You Think.
Don't wait until you're ready to withdraw money to start asking questions. Find out if your account may qualify for an IRA rollover and explore the opportunities available to you.
No obligation to transfer funds or purchase a product.