Compare leaving it, rolling to a new employer plan, rolling to an IRA, or taking a taxable distribution.
Why it matters
Taxes, fees, investment choices, creditor protections, and plan features can differ by option.
What to focus on
- Compare all options
- Avoid accidental distributions
- Confirm the receiving account
ExampleA direct rollover generally avoids having the check paid to you, but exact procedures must follow the receiving and sending institutions’ rules.
Put it into practice
- Request current plan information
- Compare fees and protections
- Use a direct process when appropriate
Write down one decision and schedule a short review. Small, repeatable steps are easier to maintain than a one-time overhaul.
Educational information only. Money in Reach does not provide financial, investment, tax, insurance, credit, mortgage, or legal advice.