It isn't just moving money. It's where your withdrawal strategy begins
401(k) · 403(b) · TSP · Pension into an IRA. These accounts were built for saving. Now it's time to design how you'll draw from them.
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Your 401(k) or 403(b) has been growing for ten, twenty years with one purpose. Until now, the only question that mattered was how well it grew.
As retirement gets closer, the question changes. This isn't about moving money from one place to another. It's the start of a bigger decision: when and how you'll withdraw. An IRA rollover is where that begins.
In-Service Withdrawal
Even while employed, this is usually permitted after age 59½. If your 401(k) doesn't offer the option you want (individual stocks, a particular ETF, or MYGA · FIA · Lifetime Income) you can move those funds to an IRA and invest them the way you choose.
Safe Accumulation
Growing it inside principal-protected MYGA · FIA
Lifetime Income
Turning it into income that never runs out
Tax Planning
Planning withdrawals and conversions to manage the tax bill
Accumulation can also mean individual stocks or funds, but I focus on principal-protected MYGA and FIA. I do not offer direct stock market investing.
MYGA
The rate is locked for the term you agree. Principal stays intact, and tax waits until you withdraw.
FIA
Principal is protected when markets fall, and interest is credited off the index when they rise. No year ever goes negative.
Lifetime Income
Once it starts, a set amount arrives every month for life. Whatever the market does, however long you live.
- Leaving or retiring You need to decide what happens to a former employer's 401(k)
- In-Service Withdrawal You want to change where it's invested while still working (after 59½)
- Accounts scattered You want your retirement accounts in one place
- Worried about principal You want it managed without market swings
- No withdrawal plan You haven't decided how you'll draw income in retirement
