401(k)
Seven Questions to Ask Before Rolling Over a 401(k)
The short answer
A rollover isn’t automatically good or bad. Before moving an old 401(k), get clear answers to seven questions — because the right choice depends on your complete situation.
The seven questions
- What are the fees in the old plan versus where I’d move the money?
- What investment options would I gain or lose?
- Would I keep any valuable features, like special protections or a stable-value fund?
- Are there tax consequences to how I move it? (A direct rollover usually avoids taxes and penalties.)
- Do I want the option of guaranteed lifetime income, and does that change where the money should go?
- How does this fit my overall plan — income, taxes, and protection together?
- Is anyone recommending this because it benefits them, or because it’s right for me?
Official resource: The IRS explains rollover rules and the 60-day timing at irs.gov/retirement-plans. Confirm tax details with a qualified tax professional.
Tracy’s promise is simple: she’ll explain the trade-offs plainly, and if leaving your 401(k) where it is makes the most sense, she’ll tell you.
Have questions about your own situation? Tracy is glad to talk it through with you — clearly and without pressure.
Educational only. Not tax, legal, or investment advice. Rollover decisions have tax consequences; consult a qualified tax professional. Services offered only where Tracy is properly licensed.