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Rollover Services

UNDERSTANDING YOUR OPTIONS

Seamless Retirement Account Transitions

Types of Rollovers We Handle

401(k) to IRA Rollover Transfer your employer-sponsored 401(k) to an IRA for more investment options, potentially lower fees, and greater control over your retirement savings.

403(b) to IRA Rollover Similar to 401(k) rollovers but specifically for non-profit and educational institution employees looking to expand their investment choices.

IRA to IRA Rollover Consolidate multiple IRAs or move to a provider with better investment options and lower fees.

Roth Conversions Convert traditional retirement accounts to Roth accounts to create tax-free retirement income, with strategic timing to minimize tax impact.

The Rollover Process

Step 1: Account Analysis We review your current accounts to understand fees, investment options, and any employer-specific benefits you might lose.

Step 2: Strategy Development Based on your situation, we recommend the best rollover approach and timing to minimize taxes and maximize benefits.

Step 3: Account Setup We help you establish your new account and select appropriate investments based on your risk tolerance and retirement timeline.

Step 4: Transfer Execution We coordinate with your current and new providers to ensure a smooth transfer with no tax consequences or penalties.

Step 5: Investment Implementation Once funds are transferred, we help you implement your investment strategy in your new account.

Direct vs. Indirect Rollovers

Direct Rollover (Recommended) Funds transfer directly from one account to another without you touching the money. This avoids taxes and the 60-day deadline.

Indirect Rollover You receive a check and must deposit it into your new account within 60 days. This method has more risks and potential tax consequences.

Rollover Mistakes to Avoid

  • Missing the 60-day deadline for indirect rollovers

  • Not understanding tax withholding requirements

  • Failing to rollover employer stock properly

  • Losing valuable employer benefits

  • Choosing the wrong type of account

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