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The Rollover Specialists

Considering Retiring?

Changing Jobs?

You have Questions, We have Answers

Rollovers require that you pay careful attention to tax laws. We can assist you in determining what process/decisions are best in meeting your needs. Below are just some of the questions our experienced team will help you answer through a careful analysis of your needs:

  1. Should I take the distribution and pay the taxes or rollover the distribution and defer the taxes?
  2. How do I avoid the 20% tax withholding requirement?
  3. Can I rollover the proceeds to my new employer's plan or to a self directed IRA.
  4. Should I consider converting the proceeds to a ROTH Account?
  5. I am under age 59 1/2 and need income now, how can I accomplish that and avoid penalties?
  6. How do I best handle employer stock in my distribution?

As each individual’s tax situation is different, take time to consider all the facts and consult with your tax advisor before initiating a rollover. Distributions received before age 59 1/2 are subject to an early distribution penalty of 10% additional tax unless an exception applies.

Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.  Please view the Investor Alerts section of FINRA website for additional information.

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