Rollover reviews
That old plan from a job you left is still charging you.
401(k), 403(b), 401(a), 457(b) — when you leave an employer, the account usually stays put on a menu nobody has revisited in years. A review tells you what it's holding, what it's costing, and what your choices are.
Your four options
A rollover is one of them. Not always the right one.
Leave it where it is
Often the right call — especially with a strong, low-cost plan, or a 457(b) you can access before 59½ without the 10% penalty. Rolling that out can cost you that access permanently.
Move it to your new employer's plan
Keeps everything in one place and preserves plan-level protections. Depends entirely on whether the new plan accepts transfers and what it charges.
Roll it to an IRA
Opens the full universe of options, including annuity contracts. You take on the responsibility of choosing, and you leave behind some plan-specific features.
Cash it out
Almost always the most expensive door. Ordinary income tax on the full amount, plus a 10% penalty before 59½ in most cases. We'll show you the math before you consider it.
Plans we review
Public and private, current and old.
Educators, public employees, federal employees, hospitality and casino workers, and anyone with a stack of statements from previous jobs.
401(k)
Current and former employer plans, traditional and Roth.
403(b)
School districts, hospitals, and nonprofits — including in-service exchanges where your plan permits them.
401(a)
Employer-funded government and institutional plans.
457(b)
Governmental deferred comp, with attention to the early-access rules you don't want to give up by accident.
IRA & Roth IRA
Existing IRAs that haven't been looked at, and Roth conversion timing.
Existing annuities
Contracts you already own, reviewed against what the same money could do today.
Before you move anything
Questions we'll answer first.
If the honest answer to that last question is no, we'll tell you to leave it alone. That happens more often than you'd think.
Bring us the statement. We'll do the reading.
A rollover review is complimentary, and nothing moves without your written authorization.