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Retirement Plans

Retirement Plans:  401(k), 403(b), Pension Plans

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success. When you change jobs or your retirement plan changes, you need to make sure your savings stay on track. 

If you have a pension plan, 401(k) or 403(b), it will be beneficial to understand and evaluate your retirement plan options if you are eligible depending on your goals. There are typically 4 options:

  • Take - Take a lump-sum distribution. 
  • Keep - Keep your assets in your former employer's plan, if allowed.
  • Transfer - Transfer your assets into your new employer's plan if the plan accepts transfers.
  • Roll - Roll over your assets into an Individual Retirement Account (IRA).

There are a multitude of regulations as it pertains to your retirement plan. Making the wrong decision at the wrong time can make a huge impact on your income tax return. Your financial situation is unique. Let us discuss the options available to you today.