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We understand a new employer today can impact your retirement tomorrow
We pair your current retirement plan with the benefits offered by your new employer
We transition your retirement accounts to keep the important decisions in your hands.
Frequently Asked Questions
A 401K is an employer-sponsored retirement plan. An IRA is an individual retirement arrangement that allows you to save for retirement in a tax-advantaged way.
Request a complimentary consultation to discuss how to transition your limited-option 401K from your former employer to an IRA allowing you a wider range of investment options.
When you leave your job you have several options for your 401K. You can cash it out, but it will become taxable and you will have to pay a penalty if you’re under 59 1/2 years old. You can leave it where it is, consolidate it with the 401K at your new employment, or transfer it into a Individual Retirement Arrangement (IRA). At our complimentary consultation, we’ll help you decide what’s best for your situation and help you transition your 401K to an Individual Retirement Arrangement.
If you have a 401K, contribute enough money to take advantage of the free money available through the company matching funds. If you’ve maxed out your company’s matching contribution, or don’t have a 401K, consider an IRA. If you’re self employed, the owner of a small business, or want to increase your retirement savings, we’ll help you with a retirement plan designed specifically for you.
You likely won’t pay any fees or penalties to roll-over your 401K into an IRA. To avoid taxes or fees on your roll over, be sure to fill out roll-over paperwork and file it properly with your former employer and the new custodian of your IRA. Improperly filed roll-over paperwork will prevent you from accessing up to 20% of your retirement savings until tax refunds are posted by the IRS. There is a chance the IRS may not refund that money. During our complimentary consultation, we can begin the roll-over process.