Notice: Function wp_register_script was called incorrectly. Scripts and styles should not be registered or enqueued until the wp_enqueue_scripts, admin_enqueue_scripts, or login_enqueue_scripts hooks. This notice was triggered by the accessibility-toolbar handle. Please see Debugging in WordPress for more information. (This message was added in version 3.3.0.) in /var/www/wp-includes/functions.php on line 6031

Notice: Function wp_enqueue_script was called incorrectly. Scripts and styles should not be registered or enqueued until the wp_enqueue_scripts, admin_enqueue_scripts, or login_enqueue_scripts hooks. This notice was triggered by the accessibility-toolbar handle. Please see Debugging in WordPress for more information. (This message was added in version 3.3.0.) in /var/www/wp-includes/functions.php on line 6031

Notice: Function wp_register_style was called incorrectly. Scripts and styles should not be registered or enqueued until the wp_enqueue_scripts, admin_enqueue_scripts, or login_enqueue_scripts hooks. This notice was triggered by the accessibility-toolbar-styles handle. Please see Debugging in WordPress for more information. (This message was added in version 3.3.0.) in /var/www/wp-includes/functions.php on line 6031

Notice: Function is_feed was called incorrectly. Conditional query tags do not work before the query is run. Before then, they always return false. Please see Debugging in WordPress for more information. (This message was added in version 3.1.0.) in /var/www/wp-includes/functions.php on line 6031

Notice: Function wp_enqueue_style was called incorrectly. Scripts and styles should not be registered or enqueued until the wp_enqueue_scripts, admin_enqueue_scripts, or login_enqueue_scripts hooks. This notice was triggered by the accessibility-toolbar-styles handle. Please see Debugging in WordPress for more information. (This message was added in version 3.3.0.) in /var/www/wp-includes/functions.php on line 6031

Notice: Function wp_add_inline_script was called incorrectly. Do not pass <script> tags to wp_add_inline_script(). Please see Debugging in WordPress for more information. (This message was added in version 4.5.0.) in /var/www/wp-includes/functions.php on line 6031
401k Rollovers – Wayne Messmer & Associates, LLC

401k Rollovers

401k Rollovers

When people change jobs or retire, they must decide what to do with the assets that they have accumulated in their 401k retirement savings plan. This decision is critically important because it can affect their ability to achieve the type of lifestyle they expect in retirement.


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.”
pen and stock chart

If You Would Like to Discuss Your 401k Rollover Options Further


Contact Us