Smart 401(k) rollover strategies that preserve your retirement savings and provide greater investment flexibility. The Rayborn Agency helps you navigate the rollover process with confidence.
A 401(k) rollover is the process of moving your retirement savings from a former employer's plan to an IRA or new employer's plan without triggering taxes or penalties.
Rollovers are typically considered when changing jobs, retiring, or seeking better investment options.
Maintains tax-deferred status with broad investment options
Convert to tax-free withdrawals in retirement (taxes due on conversion)
Roll into your current employer's 401(k) or 403(b) plan
Rolling over your 401(k) can provide significant advantages for your retirement planning.
While rollovers offer many benefits, it's important to understand potential implications.
Decide whether to roll over to an IRA or new employer plan based on your goals.
Establish your IRA or verify eligibility for new employer plan.
Ask your former employer to transfer funds directly to avoid taxes and penalties.
Choose appropriate investments for your new account based on your goals and timeline.
Let's create a personalized rollover strategy that maximizes your retirement savings and investment flexibility.
Ready to maximize your retirement savings? Contact us for a free consultation and personalized rollover strategy.
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