Free eligibility check
Find out in 60 seconds whether a rollover review applies to you.
Most people never learn what their old 401(k) actually costs them or whether moving it would help. Answer six plain-English questions and get an honest read — including when the answer is “leave it alone.”
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.
60-second eligibility check
Does a 401(k) rollover review apply to you?
Six quick questions. No contact details, no account numbers — you see your result immediately on this page.
0 of 6 answered
1. Where does your old workplace account stand today?
2. Roughly how much is in retirement accounts you could move?
Ballpark only — no account numbers, ever.
3. When do you want retirement income to start?
4. Outside of Social Security, do you have guaranteed lifetime income?
5. What concerns you most about your current setup?
6. When did a licensed professional last review these accounts with you?
Is a rollover right for me?
- How do I know if a rollover is right for me?
- It usually is when your old plan's all-in fees are high, its menu is limited, or you need the account to produce reliable income on a specific date. It usually is not when your plan is unusually low-cost, you separated from service at 55 or later and want penalty-free access, or you hold highly appreciated company stock that may qualify for NUA treatment.
- Do I have to buy anything to roll over?
- No. A rollover simply moves the account. What you do inside the IRA afterward — index funds, bonds, a guaranteed-income vehicle, or some combination — is a separate decision made after the income plan is written.
- When does a fixed index annuity belong in the plan?
- When part of the balance has to cover essential expenses for life regardless of markets. That portion is treated as protected income rather than growth money — it is never the whole account.
- What if I still want full market growth?
- Then keep that money invested. Most plans we write use a blend: liquidity for the near term, growth for the long term, and only enough protected income to cover the bills that must be paid no matter what.
General education, not a recommendation. Suitability depends on your plan documents, age, tax bracket, and income timeline.
Not sure which type of annuity fits your situation?
We break down the three types of annuities side by side — how each one grows, what it protects, and what it actually costs — plus 10 obvious reasons an annuity may (or may not) belong in your plan.
Why a fixed index annuity can be a powerful addition to a retirement plan
Retirement is about more than maximizing returns. This plain-English guide explains how one portion of a portfolio can be assigned a different job — protection from index losses, index-linked growth potential, and lifetime income you can't outlive — plus the risks, the mortality-pooling math, and when an FIA is the wrong fit.
Read the guide