Four paths for your old plan.
When you leave an employer, your 401(k) doesn't have to move — but it usually can. We'll walk you through each option and what it means for taxes, fees, and access, then help you act on the one that fits.
If your balance qualifies, you can keep it in your former employer's plan — but you lose the ability to contribute and may have fewer service options.
Consolidate into your new employer's 401(k) to keep everything in one place and continue saving — when the new plan accepts rollovers.
Move to an IRA for broader investment choice and, if you'd like, ongoing guidance — with a clear view of any difference in fees and features.
Usually the costliest path — taxes and potential penalties can take a real bite. We'll make sure you understand the trade-offs before you decide.
A recommendation in your best interest — always.
As fiduciaries, we're held to a simple standard: our advice has to be what's right for you, not what pays us most. Rolling over isn't automatically the best move, and we'll tell you plainly when leaving your money where it is — or moving it into your new plan — serves you better. When a rollover does make sense, we'll compare fees, features, and services side by side so the choice is yours to make with full information.
Guidance that continues past the plan.
If you'd like ongoing help once you've moved on, two options in our family are built for exactly this moment — and we'll only suggest them when they genuinely fit.
Our micro-market wealth solution — guided, personal advice for savers who want a real advisor without a high account minimum. A natural home for a rollover IRA when you'd like help managing it.
Explore TrailGuideOur sister firm for higher-balance households — full financial planning and investment management for individuals and families with more complex needs as they approach and enter retirement.
Explore Navigate WealthNot sure what to do with your old 401(k)?
Talk it through with our team. We'll lay out your options in plain language and help you choose the one that's right for you.