Will I pay taxes on a rollover?

A direct rollover from a traditional 401(k) to a traditional IRA is tax-free. A Roth conversion creates a taxable event in the year you convert. We model both scenarios to show you the long-term impact and help you decide if a Roth conversion makes sense.

Should I roll over my 401(k) or leave it?

It depends. Some 401(k) plans have low fees and great investment options — in which case leaving it might make sense. We compare your plan's fees and fund options against what's available in an IRA and recommend the best path forward.

How long does a rollover take?

Most direct rollovers take 2-4 weeks from start to finish. We handle all the paperwork and coordination with your old plan administrator to ensure a smooth, tax-free transfer.

What is a direct rollover vs indirect rollover?

A direct rollover transfers funds directly between custodians with no taxes withheld. An indirect rollover sends you a check, and you have 60 days to deposit it into an IRA or face taxes and penalties. We only do direct rollovers to avoid complications.

Can I roll my 401(k) into a Roth IRA?

Yes, but it creates a taxable event. We analyze whether the long-term tax-free growth in a Roth IRA outweighs the upfront tax cost based on your income, timeline, and retirement goals.

401(K) & IRA ROLLOVERS

Consolidate. Optimize. Take Control.

Rolling over your 401(k) or IRA isn't just paperwork — it's a strategic decision that affects your fees, investment options, tax flexibility, and retirement income for decades.

GET ROLLOVER GUIDANCE →

"A rollover isn't just moving money. It's choosing the right home for your life savings." — Mike Stevens, IAR

Key Facts

1 Process Full rollover analysis

2 Timeline Typically 2-4 weeks

3 Tax Impact Analyzed before rollover

4 Minimum $500K combined

5 Cost Included in advisory fee

THE PROBLEM

Does This Sound Familiar?

Your 401(k)s are scattered everywhere

Three jobs, three 401(k)s, all with different logins, statements, and investment menus. It's impossible to see the big picture.

You're stuck with expensive funds

Your old 401(k) has limited options, high fees, and mediocre performance. But you're not sure if rolling it over is the right move.

You're afraid of making a mistake

You've heard horror stories about missed rollovers, unexpected taxes, and IRS penalties. So you do… nothing.

No one has explained your options

Should you roll to an IRA? A Roth? Leave it in the plan? Every option has pros and cons — and no one has walked you through them.

THE SOLUTION

Strategic Rollover Planning

Done Right, With Zero Tax Surprises

We handle the entire rollover process from start to finish — paperwork, transfers, and compliance — so you avoid costly mistakes. More importantly, we help you decide if a rollover makes sense in the first place.

Not every 401(k) should be rolled over. We analyze your specific situation (fees, investment options, special rules) and recommend the strategy that serves your best interest.

Fiduciary Unbiased advice with no hidden sales agenda

What We Help With:

401(k) to IRA rollovers (traditional and Roth)
403(b) and 457 plan rollovers
TSP rollovers for federal employees
Pension lump-sum rollover analysis
Inherited IRA transfers and RMD planning
Roth conversion strategies (when and how much)
Fee comparison and cost-benefit analysis
Direct rollover execution (no tax withholding)

How it Works

It's just three steps

BECOME A CLIENT

Step 1) Analyze ▾

Review your accounts, fees, investment options, and tax situation to determine if a rollover makes sense.

Step 2) Execute ▾

Handle all paperwork and coordinate the direct transfer to avoid taxes, penalties, or compliance issues.

Step 3) Invest ▾

Deploy the funds into a diversified, low-cost portfolio aligned with your retirement timeline and goals.

COMMON QUESTIONS

Rollover FAQ

Get answers to common 401(k) and IRA rollover questions.

Ask About Rollovers