Are you an employee with 401(k)/ 403(b) that is Retired or Out of Service ?

As you approach retirement, consider leaving your current employer, being laid off during a company’s downsizing or already moved on to a new company, you have an important decision to make regarding your 401(k) or 403(b) retirement plan. We’re here to help you understand your options and make the best choice for your financial future.

When you’re no longer with your employer, you become eligible to roll over your retirement plan to a Traditional or Roth IRA depending on the tax status of your contributions.

Rollover can offer you several advantages:

• Greater investment flexibility: An IRA typically provides access to a wider range of investment options compared to your employer-sponsored plan. This can include individual stocks, bonds, ETFs, and a broader selection of mutual funds.
• Potential for lower fees: Many IRAs have lower administrative costs than some employer-sponsored plans, which could save you money over time
• Simplified management: Consolidating your retirement savings into an IRA can make it easier to track and manage your investments.
• Customized strategy: With an IRA, you have more control to tailor your investment strategy to your specific needs and risk tolerance.

Now, leaving your 401k where it is also have some benefits, investors generally get stronger Creditor protection in a 401k vs IRA, under federal law.  Read more >> ( link to article rollover or not )

We offer a comprehensive 401(k) rollover service to an IRA if we determine that’s the best choice for you. However, if keeping your 401(k) with your current custodian is the better option, we can still help you manage it using Pontera platform. Our goal is to ensure your retirement savings are optimized, no matter where your account is held. Let us guide you toward the best decision for your financial future.

Read more >> ( link to 401k at Work )

By working with our qualified advisors, you can benefit from:

• Expert guidance: Our professionals will help you understand the complex rules and regulations surrounding retirement accounts, ensuring a smooth and compliant rollover process.
  
  
• Comprehensive retirement planning: We’ll work with you to develop a holistic retirement strategy that aligns with your financial goals and lifestyle aspirations.
  
  
• Investment management: Our team can manage your IRA investments, providing professional oversight and regular rebalancing to keep your portfolio on track.
  
  
• Ongoing support: We’re here to answer your questions and provide continuous advice as your financial situation evolves.

While you have the option to leave your funds in your current plan or self-manage your IRA, managed accounts offers several advantages:

• Professional expertise: Benefit from the knowledge and experience of investment professionals and CFP’s (Certified Financial Planners).
  
  
• Timesaving: We handle the complexities of investment management, freeing up your time for other priorities. Our professionals can help you with this process by calling the current custodian with you if you are not comfortable doing so.
  
  
• Risk management: Our team continuously monitors and adjusts your portfolio to help manage risk. It is not the same leaving your plan with an employer plan and disregarding its investment allocation as you approach retirement.
  
  
• Integrated approach: We consider your retirement savings as part of your overall financial picture, ensuring a cohesive strategy.

Remember, while rolling over to an IRA offers many benefits, it’s important to carefully consider your options. Factors such as fees, investment choices, and regulatory protections can vary between IRAs and employer-sponsored plans. That’s why we’re here to help you make an informed decision that best serves your long-term financial interests.

Take the Next Step

Don’t let uncertainty hold you back from optimizing your retirement savings. With our 401(k) Rollover Service, you’ll have the knowledge and support you need to make confident investment decisions. Whether you’re looking to capture growth, manage risk, or navigate market changes, we’re here to help you achieve your retirement goals.

Contact us today to learn how we can empower you to take control of your financial future.
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