401(k) Rollovers

A 401(k) rollover moves savings from a former employer's plan into an Individual Retirement Account you control directly. The transfer preserves the tax-deferred status of the money and avoids the early-withdrawal tax penalty when done correctly.

Rolling over gives you access to a far wider investment menu than a typical employer plan, clearer fee visibility, and a single account to manage rather than several scattered across past employers. It also simplifies beneficiary design and distribution planning.

Not every old plan should be rolled over — some have low-cost institutional funds, loan provisions, or company stock with special tax treatment. We compare keeping versus rolling over on the numbers that matter, then execute the transfer cleanly.