Retirement Account Rollovers

It depends on the type of rollover. Direct rollovers from an employer plan to an IRA or new plan can be done anytime. For 60‑day indirect rollovers, funds must be redeposited within 60 days and you’re generally limited to one IRA‑to‑IRA indirect rollover per 12 months.

No investment can guarantee growth. Some products, like fixed or fixed indexed annuities, can protect principal from market losses, but returns are limited and subject to product terms. We can review trade‑offs between protection, growth potential, liquidity, and fees.

Potential benefits include consolidating accounts, broader investment choices, and continued tax‑deferred growth. Some IRA or annuity options may offer living benefits or riders at an added cost. Tax treatment depends on your situation; we’ll review pros and cons before you decide.

It depends. Review fees, investment options, services, and convenience. Some plans offer low institutional pricing; others have limited options or higher fees. We can compare leaving funds in the plan, rolling to a new plan, or rolling to an IRA to decide what’s best for you.