Old 401(k)? Changing jobs? New Employee Plan?
We can help.

A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. For balance, please update your material to include each option below:

• Leave the money in his/her former employer’s plan, if permitted;
• Roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted;
• Roll over to an IRA; or
• Cash out the account value.

Our team of experienced financial advisors can help you evaluate your options for the life you're building - today, tomorrow, and beyond.

Download Our Free 401(k) Rollover Guide

There are many ways to fund your retirement, and if you are experiencing a job change or company merger, you'll want to consider your options.

Get our FREE guide to know your options.

Schedule a FREE consultation with one of our experienced financial advisors. We will provide personalized guidance to help you decide whether rolling over your 401(k) is the right choice for you.

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Pros and Cons of Rolling Over Your 401(k)

Pros:

More Investment Choices: Unlike a company plan, an IRA can offer a broader range of investment options.

Potentially Lower Fees: You may be able to find lower fees in an IRA, which can help you keep more of your money working for you.

Consolidation of Accounts: Rolling over multiple accounts into one can simplify your financial management.

Tailored Advice: A financial advisor can provide personalized strategies to help grow your retirement savings.

Cons:

Loss of Company Benefits: Your current 401(k) may have unique benefits, such as company stock or loan options, that could be lost in a rollover.

Tax Implications: If not done correctly, rollovers can have tax consequences. It’s essential to understand the rules before making a change.

New Fees: Some IRAs can come with their own fees, so it's essential to compare costs.

Withdrawal Restrictions: An IRA may have different withdrawal rules compared to your 401(k).

Is a Rollover Right for You?

Deciding whether to roll over your 401(k) after the acquisition is a personal decision. Factors like your retirement timeline, investment goals, and risk tolerance all play a significant role. At Air Capital Wealth Management, we specialize in helping clients like you make informed choices.

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401(K) Rollover Options

Old 401(k)? Changing jobs? New Employee Plan?We can help.