When you change jobs or retire, you generally have four options for an old 401(k): leave it where it is, roll it into a new employer's plan, roll it into an IRA, or cash it out (often a costly choice).
A direct rollover into an IRA — including an annuity-funded IRA — moves the funds without triggering taxes or penalties when done correctly. This can open up additional investment options and income strategies.
Every situation is different. We'll help you weigh fees, investment choices, protections, and income goals before recommending an approach.
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