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Retire

Have an old 401(k)? Know your options before you retire.

Money left with a former employer is still your money — it is just not being managed with your retirement in mind.

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Most people collect a plan per job and never look at them together. Consolidating is less about performance and more about finally being able to see the whole picture.

401(k) and IRA rollovers

  • Old plans from previous employers brought together
  • The trade-offs of each route explained before anything moves

Retirement income planning

  • What monthly income you will actually need
  • Which accounts to draw from, and in what order

Lifetime income options

  • Income designed to last as long as you do
  • Annuities where guaranteed income earns its place

Tax-efficient strategies

  • Taxable, tax-deferred and tax-free balanced deliberately
  • Roth conversions considered against your bracket, not in the abstract

The question worth answering first

Not what your balance is, but what monthly income it produces and for how long. A large number that runs out at eighty-two is a worse outcome than a smaller one that does not.

Sequence matters more than people expect

Two households with identical savings can end up in very different places depending on which accounts they draw down first and what the market did in their first few years of retirement.

That is planning work, and it is worth doing before the date rather than after.

Plan today for the retirement you deserve

Bring your statements. We will show you what they add up to.

Book a complimentary consultationSend us a message

On the form, select “Retirement income & 401(k)/IRA rollovers”.

Frequently asked questions

What’s the difference between IUL and GUL?

An indexed universal life (IUL) policy builds cash value with interest linked to a market index, usually subject to caps and a floor, and policy charges apply. A guaranteed universal life (GUL) policy focuses on a guaranteed death benefit at a lower cost, with little or no cash value. Which suits you depends on whether you need lifelong protection alone or also want cash value.

Why should I consider a Roth IRA?

Qualified withdrawals from a Roth IRA are tax-free, and the original owner has no required minimum distributions. That makes it a useful counterweight to tax-deferred accounts. Income limits apply to direct contributions.

What is an annuity and how does it work?

An annuity is a contract with an insurance company: you pay in a lump sum or over time, and in return it can provide income for a set period or for life. Fixed annuities offer guaranteed rates; variable and indexed annuities tie growth to market performance. Guarantees are backed by the claims-paying ability of the issuing insurer.

How does a 401(k) differ from a Roth IRA?

A 401(k) is an employer-sponsored retirement plan that offers tax-deferred growth, while a Roth IRA allows for tax-free withdrawals in retirement. The key difference is the tax treatment of contributions and withdrawals.

What is the benefit of a fixed vs. variable annuity?

A fixed annuity offers a guaranteed rate and predictable income, which suits people who value stability. A variable annuity invests in market subaccounts, so it offers more growth potential but its value can fall, and it usually carries higher fees.