Free Investment Analysis and Monthly Newsletter
  Follow investipinfo on Twitter

TD Ameritrade Institutional is our principal custodian for client assets under management. All accounts are fully insured and the separate property of the client.

Robert Hunter Registered Investment Advisor is now
Marin Wealth Advisors .
Please visit us at our new financial services web site.

401(k) Rollover Options

When you change jobs or retire, you'll have several options for deciding what to do with the money in your employer-sponsored retirement plan. For tax purposes, the IRS rules are essentially the same, whichever option you choose. The main differences are in your investment choices and each option's rules.

One of the most important elements affecting overall retirement investment performance is the smart consolidation of accounts. Too many retirement accounts usually results in poor performance and excessive fees. A full review of each plan/account's features, costs and investment options is critical. High fees and underperforming investments are compounded for years and years.

Rollover to an IRA
  • You have investment flexibility-including mutual funds, stocks, and bonds.
  • You control your investments.
  • You can simplify all your accounts in one place
  • You can move your assets to a future employer's plan.
  • You can't borrow from your assets.
  • Some investment options in a 401(k), such as holding company stock, may not be available in an IRA
Remain in employer-sponsored plan
  • You may have investment options in the plan that are not available to you outside the plan.
  • You're limited to the plan's investments.
  • Your future contributions are restricted or simply not allowed.
  • Your account generally can't remain in the plan if it's less than $5,000.
Transfer to another employer-sponsored plan
  • You can consolidate your assets in one plan.
  • You're allowed to borrow from the plan.
  • You're limited to the plan's investments.
  • You may have to wait before you can transfer your money.