Old Retirement Accounts, 401(k)s & Rollovers
Understand the choices for retirement accounts from previous jobs, including rollover and in-service distribution questions.
Request an Old 401(k) & Rollover ConsultationAn account from a past job deserves a clear review.
If you have an old 401(k), 403(b) or another employer retirement account, start by understanding the plan’s rules and the options available to you.
Choices may include leaving funds in the existing plan, moving them to a new employer’s eligible plan, or rolling them into an IRA. Compare costs, features, access to money, creditor protections and potential tax effects before deciding.
What about an in-service rollover?
Some plans permit distributions while you still work for that employer. Eligibility depends on the plan’s rules and your circumstances. Confirm the rules with the plan administrator before considering a move.
Where do annuities fit?
An annuity may be one option to consider within the retirement conversation. Review its costs and restrictions alongside the account or plan you already have. A rollover is not automatically the best choice.
Marquita can provide education and discuss insurance-based options. Consult the appropriate investment and tax professionals for advice within their scope.
A few things you may be wondering
Is a rollover automatically better?
No. Compare your current plan’s costs, benefits, protections and alternatives before moving funds.
How do I know if an in-service distribution is allowed?
Ask the plan administrator and review the plan’s actual distribution rules.
Questions to think about
- What benefits and fees does my current plan have?
- What access to funds do I need?
- Who can verify the tax and plan rules before a move?
Not sure where your old 401(k) is?
Beagle is an external service that helps locate old employer retirement accounts. Start by finding the account, then compare your options before deciding whether to move it.
Find My Old 401(k) with BeagleYou will leave this website. Review Beagle’s current fees, terms and privacy policy before signing up.
Bring your questions. Let’s make your next step clearer.
Share what you want to review. Marquita will follow up to arrange your conversation.
Request an Old 401(k) & Rollover Consultation