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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 an IRA rollover 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 assets to an IRA is just one option for your qualified employer sponsored retirement plan (QRP). Each of the following options is different and has advantages and disadvantages and the one that is best depends on your individual circumstances.

  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 

When considering rolling over assets from a QRP to an IRA, factors that should be considered and compared between the QRP and the IRA include fees and expenses, services offered, investment options, when distributions are no longer subject to the 10% additional tax, 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 employer-sponsored retirement plans. You should consult with the plan administrator and a professional tax advisor before making any decisions regarding your retirement assets.