401(k) / IRA Rollovers
Old accounts don’t manage themselves. They just sit there.
A job change, a retirement, a series of moves over a career — and suddenly there are old 401(k)s and an IRA nobody’s looked at in years, disconnected from any actual plan.
Who this is for
- You’ve left a job (or several) and have 401(k) or 403(b) balances still sitting with old employers
- You’re approaching retirement and need to decide what happens to your workplace plan
- You have multiple retirement accounts across different providers and no unified view of them
- You’re not sure whether a rollover, an in-plan conversion, or leaving things alone is the right call
Where this usually goes wrong
- Defaulting to “just roll it into an IRA” without checking whether the old plan has advantages worth keeping.
- Rolling everything together without a tax-lot strategy, mixing pre-tax, Roth, and after-tax dollars in ways that create headaches later.
- Losing track of old accounts entirely — small balances at former employers are the easiest money in a plan to forget.
- Missing net unrealized appreciation (NUA) opportunities on employer stock — often an irreversible decision once rolled over.
What working with us looks like
- Full inventory of every retirement account, current and former employer plans included.
- A side-by-side comparison of staying put, rolling over, or converting — with actual tradeoffs, not a generic recommendation.
- Execution and coordination with the old and new custodians so nothing gets lost or mistimed.
- Ongoing management once consolidated, as part of one plan going forward.
A 20-minute call is enough to tell you whether your current setup is costing you anything — no obligation, no pitch deck.
Book a call →