Fee-only financial advisors for 401(k) rollover decisions.
The 401(k) rollover decision at job change or retirement is a one-time, high-stakes choice. Rollover to an IRA opens the investment universe, enables Roth conversions, and unlocks the Backdoor Roth pathway. Leaving money in the old 401(k) may preserve loan access, ERISA protection, or age-55 rule withdrawal. Rolling to a new employer's plan may sim
Situations we handle
- I just changed jobs with $850K in my old 401(k) — rollover or leave?
- Retiring at 62 with $1.6M in 401(k) — best rollover strategy to set up retirement distributions?
- My new 401(k) has terrible funds — rollover the old one to IRA, or consolidate?
- Age-55 rule — does rolling out give it up?
- Backdoor Roth complications if I roll pre-tax into IRA
- Employer stock in my 401(k) — NUA strategy?
Why a specialist. This niche requires specific knowledge that generalist advisors don't have.
Tools & guides
401(k) Rollover Decision Calculator
Model the tax & fee differences between leaving your old 401(k), rolling to IRA, rolling to new 401(k), or taking partial Roth conversion.
Complete 401(k) Rollover Guide
Detailed framework — rules, tradeoffs, employer- and account-specific nuances, common mistakes.
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