WE’LL HELP WHEN IT’S TIME TO ROLL UP YOUR SLEEVES AND ROLL OVER YOUR 401K TO AN IRA.

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WHY ROLL A 401K OVER INTO AN IRA?

IMPORTANT 401K CONSIDERATIONS

WHY ROLL YOUR 401K OVER INTO AN IRA?

Recently retired or separated from your company?  Now may be the time to consider rolling your 401K over into an individual retirement account (IRA). The retirement and investment professionals at Research Financial Strategies can educate you on your available options. 

HOW DO I ROLL OVER MY 401K?

We’ll work out all the fine details together, but in truth, rolling over your 401(k) is as easy as 1-2-3.

STEP 1: CHOOSE AN IRA.

Start by deciding whether you want to roll your 401(k) over into a tax-deferred traditional IRA or a Roth IRA.

STEP 2: TRANSFER FUNDS FROM YOUR OLD 401K

Next, you’ll need your former employer or plan administrator to roll your 401K funds over to an account at Schwab.  Have them roll over the funds directly to Schwab for the benefit of (FBO) your name. Make sure to reference your name and the account number of your new IRA (if available). Or, you can elect to receive your check in the mail to deposit into your Schwab IRA or we will do it for you.

STEP 3: WE CHOOSE YOUR INVESTMENTS.

Finally, the funds need to be invested so they can grow to meet your personal goals. We’re here to build the portfolio focused on meeting your retirement needs. And don’t worry, we’ll take the time to answer all your questions about the array of available funds.

Did you know? You may be able to roll over to a Traditional or Roth IRA, roll over to a 401K at a new employer, take a distribution or leave the account where it is, depending on your unique financial needs and retirement goals.
Each option presents different benefits and limitations with regard to available investment choices and services, fees and expenses, withdrawal rules, required minimum distributions, tax treatment, and protection from creditors and legal judgments. Additionally there are limits to how often and when you can roll over your account

READY TO ROLL OVER YOUR 401K?

Let’s talk and we’ll get you up and rolling in no time.

CALL       301-588-0514

EMAIL     JIM.MUSGRAVE@RFSADVISORS.COM