401k Rollovers – Wayne Messmer & Associates, LLC

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401k Rollovers – Wayne Messmer & Associates, LLC

(888) 265-7443

Here are the options you have:

Options	Pros	Cons
Leave the money in 401k plan of company you’re leaving	Money continues to grow tax-deferred	Less you will know about company and how it’s managing their retirement plan
Liquidate	Immediate access to savings	No longer tax-deferred therefore subject to tax payments Possible early withdrawal penalty
Rollover 401(k) to new plan	Money grows tax-deferred	Subject to distribution rules of plan Limited investment choices Little or no investment advice
Rollover to IRA	Money grows tax-deferred Investment flexibility Flexible beneficiary designations and distribution options	Outstanding loans on a plan must be repaid

Wayne Messmer & Associates can help by:

Discussing your current situation and goals.
Reviewing all the pros and cons of all your options including Roth IRA rollovers.
Making recommendations assessing your goals and your options to fit your “financial roadmap.”

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