Seamless Retirement Account Transfer

Rescue Your Stranded 401(k) Today.

Left your job or retiring soon? Don't leave your hard-earned retirement savings behind. Roll over your dormant 401(k) into an IRA to unlock lower fees, vastly wider investment choices, and absolute control.

100% Tax-Free Transfer A direct rollover means the IRS doesn't take a dime. Your funds move seamlessly from custodian to custodian without triggering any tax penalties.
Unlimited Investment Options Corporate 401(k)s often restrict you to a handful of high-fee mutual funds. An IRA opens up individual stocks, ETFs, bonds, and even real estate.
Stop Paying Hidden Fees Old employers often pass administrative and plan management fees onto former employees. A Rollover IRA slashes these wealth-draining costs.

Get Your Free Rollover Guide

Speak with a rollover specialist today. We handle the paperwork, contact your old HR department, and ensure a smooth transfer.

Your data is strictly confidential and heavily encrypted.

Hidden Fees Impact Simulator

Even a 1% difference in administrative fees can cost you hundreds of thousands of dollars over time. See how much of your nest egg is being eaten by your old employer's 401(k) plan versus an optimized IRA.

5 Years 15 Years 30 Years

*Assumes a gross market return of 7% annually before fees. For comparison, a self-directed Rollover IRA can achieve average fees as low as 0.25% - 0.50% using low-cost index funds.

Potential Money Saved

$51,240
If left in Old 401(k): $334,100
If Rolled into IRA (0.5% Fee): $385,340

Old 401(k) vs. New Rollover IRA

See why millions of Americans choose to move their retirement funds when they leave a job.

Feature Rollover IRA Previous Employer's 401(k)
Investment Options Virtually Unlimited (Stocks, Bonds, ETFs, Precious Metals, Real Estate) Limited to 10-20 pre-selected mutual funds.
Administrative Fees Extremely Low (You choose your brokerage). Often high; ex-employees may absorb plan management costs.
Account Consolidation Yes. Combine all old 401(k)s into one clean dashboard. No. Leads to a trail of messy, forgotten accounts.
Beneficiary Control Total control and flexibility for heirs. Rigid employer plan rules often force lump-sum distributions to heirs.

The 3-Step Hassle-Free Transfer

1

Review & Strategize

We review your current statements and design an IRA structure that aligns with your specific retirement goals.

2

Open Your New IRA

We help you establish a new Traditional or Roth IRA (depending on tax strategy) with the custodian of your choice.

3

Execute Direct Rollover

We contact your old employer's HR or plan administrator to execute a direct transfer, ensuring zero tax penalties.

401(k) Rollover Frequently Asked Questions

No. When executed correctly as a "Direct Rollover" (custodian to custodian), the IRS views it as a non-taxable event. You will not pay any income taxes or early withdrawal penalties. The funds maintain their tax-deferred status.
This is called an "In-Service Withdrawal" or In-Service Rollover. It depends on your specific employer's plan rules, but many plans allow you to roll over funds to an IRA while still employed once you reach age 59½.
If the 401(k) administrator makes the check payable to you personally (an indirect rollover), they are required by law to withhold 20% for taxes. You then have exactly 60 days to deposit the full amount (including making up the 20% out of pocket) into an IRA to avoid penalties. This is why we heavily strongly advise executing a "Direct Rollover" instead.
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