Job Transition

If you’re moving to another company, it is important to decide what to do with your retirement savings. The vested balance in your employer’s qualified 401(k) or 403(b) retirement plan belongs to you. So, is it better to roll the money into an IRA or move it to your new employer’s retirement plan? When making the choice, you should take into consideration what accounts offer you access to your funds, potential growth, and tax advantages.

Along with how to handle your retirement savings, there are other decisions you will need to make when you change jobs. A financial advisor can help you address some of these questions, such as:

  • Do you understand your new benefits package and options, including health care and insurance?
  • Will you need additional insurance?
  • Have you determined how your job change might affect existing employee stock options?
  • How will your income and expenses impact your financial goals?

During a job transition, an investment advisor can help position you to meet your future career and retirement objectives.

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