A job change, retirement, or an old employer plan left behind
Before moving an old 401(k), compare all four paths.
An old 401(k) is not automatically a rollover. The Four-Path Rollover Review organizes the tradeoffs: leave the assets in the plan, move them to a new employer plan, roll to an IRA, or take a distribution where available.
Complimentary and educational. A licensed specialist reviews it with you by Zoom or phone in about 20 minutes — no product presentation.
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
Each of our Experts brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
What your Four-Path Rollover Review shows
- Plan services, pricing, investments, and protections that would be lost
- Fees and available advice under each path
- Tax treatment, withholding, and access rules including the Rule of 55
- Loans, employer stock, and creditor-protection considerations
What a good outcome looks like
A side-by-side comparison, a documented decision, and one clear next action — including leaving the money where it is.
The questions we work through
- What plan services, pricing, investments, and protections would be lost?
- Do you need withdrawals, advice, consolidation, or income features?
- Are loans, employer stock, early-access rules, or creditor protections relevant?
How the follow-through works
- Day 0: Send the four-path worksheet.
- Day 3: Call to identify the decision deadline.
- Day 7: Request the plan disclosure and statement.
- Day 12: Present the side-by-side comparison.
- Day 20: Document the decision and next action.
You decide the pace. At any point you can ask us to follow up later or close the loop entirely.
Common questions
Rollover Decision Campaign: the questions people ask first
What should I do with my 401(k) from my old job?+
There are four choices: leave it in the old plan, move it to your new employer's plan, roll it to an IRA, or cash it out. Cashing out is usually the most expensive because of income tax plus a 10% penalty before age 59½. Fees, fund choices, creditor protection, and when you need income decide the rest.
Will rolling over my 401(k) trigger taxes?+
A direct, custodian-to-custodian rollover to a traditional IRA is generally not taxable. An indirect rollover, where the check comes to you, triggers 20% withholding and a 60-day deadline to redeposit the full amount — miss it and the balance becomes taxable income.
How long do I have to decide?+
There is usually no deadline to leave money in a former employer's plan, but small balances can be forced out, and plans change fees and fund menus without asking you. If you separated from service in or after the year you turned 55, moving to an IRA can forfeit penalty-free plan withdrawals — so sequence matters more than speed.
Pick your time
Select a window for our team to verify your information and schedule your Expert match call
Pick a window and our team calls first to verify your details and confirm what to review. Then we match you to the right licensed specialist for your Tele-Wealth consultation. No pitch — we walk through your answers, your numbers, and what to fix first.
Smart Match — the right expert for you: We don't randomly assign you to whoever is available. We review your questionnaire answers and match you with an experienced Fiduciary Retirement Specialist who can best address your situation — then they stay with you from there.
Select My Verification Window →Plans change — that's fine. You can reschedule or cancel in a couple of clicks, any time, without calling or emailing us.
This review is educational and is not tax, legal, or accounting advice, and is not an offer or solicitation. Annuities are long-term insurance products that may involve fees, surrender charges, withdrawal limits, and tax consequences; guarantees depend on the claims-paying ability of the issuing insurer. Bank deposits and annuity contracts are not protected in the same manner. Rollovers and replacements are evaluated as balanced decisions, including the option to keep what you have. We coordinate with — and never substitute for — your tax and legal professionals.
Our fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
Read and download the Fiduciary Pledge