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Retirement Planning for All Ages

Take control of your retirement

Building Your Retirement Savings

Learn how to build savings and help establish financial stability early in life.

Nearing Retirement

Find the resources to continue building savings and prepare for retirement.

Living In Retirement

See how you can live in retirement by managing your money effectively.

IRA Center

We offer a full range of retirement strategies and guidance to help you meet your needs and retirement goals.

401(k) Rollover Center

Tired of keeping track of multiple retirement accounts? Learn how a rollover to an IRA can help.

Annuities Center

With an annuity, you can help protect your retirement savings and create an income stream.

Please keep in mind that rolling over your qualified employer sponsored retirement plan (QRP) assets to an IRA is just one option. You generally have four options for your QRP distribution:

  1. Roll assets to an IRA
  2. Leave assets in your former employer’s QRP, if QRP allows
  3. Move assets to your new/existing employer’s QRP, if QRP allows
  4. Take your money out and pay the associated taxes 

Each of these options has advantages and disadvantages and the one that is best depends on your individual circumstances. When considering rolling over your assets from a QRP to an IRA, factors that should be considered and compared between QRPs and IRAs include fees and expenses, services offered, investment options, when you no longer owe the 10% additional tax for early or pre-59 ½ distributions, treatment of employer stock, when required minimum distributions begin and protection of assets from creditors and bankruptcy. Investing and maintaining assets in an IRA will generally involve higher costs than those associated with QRPs. You should consult with the plan administrator and a professional tax advisor before making any decisions regarding your retirement assets.