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Rollover Options

Understanding your options

One of the most important decisions you must make when leaving an employer is what to do with any open retirement accounts. Whether it is keeping the account as-is or rolling the funds into a new account, it is important for you to understand all your available options.


What to do with old accounts

You have a few options to consider when it comes time to leave your employer. It all depends on where you are in your financial journey.

  • Leave money in your previous employer’s plan (if permitted). While your earnings remain tax-deferred, you can no longer keep contributing to this account and you must pay close attention to fees. It’s usually more complicated to manage multiple plans from different employers.
  • Rollover your money to your new employer’s plan. Consolidating your accounts helps you grow your savings in one place and it’s a lot easier to manage. Your contributions continue tax-deferred. Click here for help.
  • Rollover your money into an IRA. Your plan can continue growing tax deferred and you normally have access to more investment providers and options. Click here for help.

Additional options

There are several options for your retirement savings and each has pros and cons to consider. Learn more about your retirement savings options by booking a meeting.


Book a Personalized Retirement Planning Session

Schedule a 1:1 meeting with our team to help you develop a personalized retirement plan tailored to your unique financial situation and goals. We’ll discuss strategies for saving and investing, and help you navigate the complexities of retirement planning.

Additional Resources

Retirement Guide

Take the first step towards a secure financial future by browsing through our retirement planning course.

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Enhance your financial literacy and stay up-to-date on the latest trends in personal finance by visiting our blog page. 


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Video Library

Access our collection of educational videos, covering everything from basic financial concepts to advanced investment strategies.


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When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours.

Under this special rule’s provisions, we must:

Meet a professional standard of care when making investment recommendations (give prudent advice)

Never put our financial interests ahead of yours when making recommendations (give loyal advice)

Avoid misleading statements about conflicts of interest, fees, and investments

Follow policies and procedures designed to ensure that we give advice that is in your best interest

Charge no more than is reasonable for our services

Give you basic information about conflicts of interest