Services with clear guidance
Changing jobs or retiring often raises questions about your 401(k) or other retirement plans. We help you evaluate common distribution options, understand tradeoffs, and coordinate next steps as part of your broader plan.
We help you understand choices and next steps.
You may be able to keep your savings in your former employer’s plan. We can help you review the plan’s fees, investment choices, withdrawal rules, and account services.
A new employer’s plan may accept a direct rollover. We can help you compare costs, investment options, and plan features before you move your savings.
A direct rollover to an IRA may offer more investment choices and greater flexibility. We can help you weigh fees, services, protections, and future withdrawal needs.
You may be able to take the full balance in cash. We can help you consider the tax impact, possible penalties, and effect on your long-term plan.
Some plans allow scheduled withdrawals over time. We can help you review payment choices, income needs, and how much of the account may remain invested.
If the plan offers one, an annuity may provide regular payments for a set period or for life. We can help you compare payment terms, costs, guarantees, and access to your money.
When you leave an employer or retire, you may have several ways to handle your 401(k). We start by reviewing your 401(k), other retirement accounts, time horizon, and income goals. Then we help you compare your available options, understand the tradeoffs, and choose a path that fits your broader financial plan.
Situations where a conversation can help
A new job often creates a decision point. We help you compare options and organize the next step so your accounts stay coordinated.
As retirement nears, 401(k)s may affect income planning and account strategy. We help align the decision to your timeline and needs.
