401(k) and IRA Rollovers

Make Informed Choices About Your Retirement Savings

Guidance for a Crucial Move

People are retiring every day wondering, “What do I do with my 401(k)?” Many people don’t know whether they should leave their money where it is, take a lump sum distribution, or roll it over to an IRA.

The answer will be different for everyone because everyone is unique. We can help you incorporate these decisions into a customized retirement income plan based on your unique retirement goals. As trained fiduciaries, we provide unbiased guidance in your 401(k) and IRA decisions.

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Our Process for 401(k) and IRA Rollovers: Tailored Guidance for Your Needs

Evaluate Your Current Accounts

We’ll start by reviewing your existing 401(k) or IRA accounts to assess their structure, benefits, and potential limitations.

Discuss Your Retirement Goals

Together, we’ll explore what you want retirement to look like and how your savings align with those objectives.

Develop a Plan

Based on your input, we’ll create a personalized approach for managing your rollover and investments.

Support for the Future

We provide ongoing support to help adapt your strategy to changes in the market or your life.

Making the Transition to Retired Life

After all your years of hard work and disciplined saving, you’ve made it to retirement – congratulations! Now, the challenge becomes tackling common retirement transition concerns so that you can live out the ideal retirement you’ve dreamed of.

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Why Consider a Rollover?

There are several reasons why you might want to roll over your 401(k) or IRA, such as gaining access to broader investment options, simplifying account management, or making adjustments for retirement.

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Your timeline for retirement

The closer you are to retirement, the more important it is to align your investments with your future income needs and risk tolerance.

Potential tax impacts

Rolling over your 401(k) or IRA can have tax implications that may affect your short- and long-term financial plans. Understanding your options can help manage potential tax liabilities.

Your financial goals

Whether your focus is on growth, stability, or generating income, a rollover can help align your portfolio with your specific objectives.

Features of your current plan

Some employer-sponsored plans have limited investment choices or higher fees. Reviewing your plan’s options can help determine if a rollover provides greater flexibility and cost-efficiency.

At Envision Retirement Solutions, we can walk you through the possibilities and help you make an informed decision.

Let’s plan for the future you envision.

Ready to make informed decisions about your 401(k) or IRA? Contact Envision Retirement Solutions today to schedule a consultation. Let us help you create a customized plan that supports your retirement goals.

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Common Questions About

401(k) and IRA Rollovers

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Should I leave my 401(k) with my previous employer?

Depending on the plan’s features, this might be a good option. We can review the details to help you decide if staying with the plan fits your needs.

Are there costs associated with rollovers?

Certain rollovers may involve fees, so we focus on making decisions that maximize your resources over the long term.

Will rolling over my 401(k) impact my taxes?

In many cases, a direct rollover to an IRA avoids immediate tax consequences. We’ll guide you through understanding any tax-related factors.

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Let’s Talk About Your Retirement Goals

We’re here to help you move forward with confidence. Whether you have specific questions or just want to explore your options, our team is ready to guide you every step of the way.

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Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Envision Retirement Solutions, and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Envision Retirement Solutions are separate and independent entities. This is for informational purposes only and is not intended as legal, tax or investment advice or a recommendation of any particular security, investment product or investment strategy.

401(k) and IRA Rollovers

Make Informed Choices About Your Retirement Savings

Our Process for 401(k) and IRA Rollovers: Tailored Guidance for Your Needs​

Making the Transition to Retired Life

Why Consider a Rollover?

Your timeline for retirement

Potential tax impacts

Your financial goals

Features of your current plan

Let’s plan for the future you envision.

Common Questions About

401(k) and IRA Rollovers

Financial Planning Fundamentals: Building a Strong Foundation for Your Future

Addressing Common Questions About Financial Planning Services and Fees

What to Expect When Partnering with Envision Retirement Solutions for Financial Planning

Decoding IRA and 401(k) Rollovers: A Potential Approach to Retirement Planning

The Art of Financial Planning: Building a Solid Foundation

Emergency Preparedness and Financial Independence: 7 Steps to Take Today

Let’s Talk About Your Retirement Goals

Fresh Insights, Direct to You.

Join Our Mailing List

Our Process for 401(k) and IRA Rollovers: Tailored Guidance for Your Needs