To roll over, or not to roll over?

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Sometimes, sticking with a 401(k) is the best

Here are some things to consider:

Lower fees

Rollover accounts can come with higher fees; a single year of rollovers to traditional IRAs could cost retirement savers an extra $45.5 billion in fees over the next 25 years.

More protection

Investors generally get stronger creditor protection in a 401(k) than an IRA by federal law.

Tax considerations

If you own company stock, rolling over could increase your tax rate from capital gains to ordinary income tax rate, unless you qualify for net unrealized appreciation. It's important to keep this and other tax considerations in mind.

Loan options

Some 401(k)s offer options to take out loans, while IRAs do not.

Better fund access

401(k)s, because of scale, may have access to a wider variety of funds than IRAs.

Tennyson Group helps retirement savers get professional guidance for their 401(k)s
It is a path to seamless secure compliant professional management of retirement plan accounts.

Would you like to join us?

Your financial advisor can help you reach your retirement goals. Studies show professional management of retirement accounts can grow them by 3% more per year; that’s 75% over the span of 20 years. As you near retirement, often times a more tailored plan is needed, and your financial advisor can help you reach your goals.

Let’s get your 401(k) optimized

Investment Advisory services provided by individuals as investment advisory representatives of Motiv8 Investments, LLC, a registered investment adviser. Motiv8 Investments does not provide insurance, tax, or estate planning services. Such services are provided by individuals affiliated with Motiv8 Investments in their separately licensed capacities. Insurances are sold by individual licensed insurance agents.
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