When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

• Leave the money where it is
• Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½ )
• Transfer the money to another employer plan (if the plan allows)
• Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help conserve and grow your rollover assets.