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401(k) Rollover Center

Know your options for your retirement accounts

Why roll over a 401(k)?

When you leave an employer you typically have four options for what to do with your savings.

Choose an IRA

Wells Fargo has a range of account choices to help you reach your current or future retirement goals.

Transfer 401(k) funds

401(k) rollovers are easier to complete than you think. Let us show you how.

Please keep in mind that rolling over assets to an IRA is just one of multiple options for your retirement plan.  Each of the following options is different and may have distinct advantages and disadvantages.

  1. Roll assets to an IRA
  2. Leave assets in your former employer’s plan, if plan allows
  3. Move assets to your new/existing employer’s plan, if plan allows
  4. Cash out or take a lump sum distribution

When considering rolling over assets from an employer plan to an IRA, factors that should be considered and compared between the employer plan and the IRA include fees and expenses, services offered, investment options, when penalty free withdrawals are available, treatment of employer stock, when required minimum distribution 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.

We’re here to help with your retirement and rollover choices Request a Consultation

Call us 1-877-493-4727

Transfer your IRA to Wells Fargo

Do you have multiple Individual Retirement Accounts (IRAs)? Wells Fargo can help you with the safe rollover of IRAs you have at other institutions. Learn how to transfer an IRA to Wells Fargo.

Learn about Roth IRA conversion

You may gain tax benefits by converting funds from a Traditional IRA or a 401(k), a 403(b), or a 457 plan into a Roth IRA. Is a Roth conversion right for you?

Short of cash? Be cautious

It may be tempting to pull money out of your 401(k) to cover a financial gap. Or, when you are considering rolling money over from a 401(k) to an IRA, you may wish to roll over only a portion of your retirement savings and take the rest in cash. But do you know the true cost? Use our 401(k) Early Withdrawal Costs Calculator first.