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Did you leave your 401K with your EX?
You left the job but kept your money there? Schedule a complimentary appointment with a Transition Specialist to take a look at your options & rights. It is worth the time to see if it makes sense to keep it there, convert it to an IRA or take it.
STRATEGIES TO AVOID 401(k) ROLLOVER MISTAKES
REQUEST YOUR COMPLIMENTARY GUIDE
The tax advantages and portability of the 401(k) have provided many Americans with the opportunity to build a nest egg throughout their working lives. Often, it's one of their largest retirement assets.
If you contribute to a 401(k), its flexibility gives you choices as you go through life. Make sure you know the rules because 401(k) rollovers mistakes can be costly.
This complimentary guide will cover:
Strategies to voice an IRS penalty & full taxation
The little-known weapon you can use to guarantee no losses
Why ensure your account stays with you
Why good or bad move can be a game changer for your future
5 REASONS WHY IT DOES NOT MAKE SENSE TO LEAVE IT WITH YOUR OLD EMPLOYER
1. Past performance doesn’t mean future success. Investing shouldn’t be a “set it and forget it” endeavor.
2. Leaving your 401(k) with your old employer can seriously limit your investment success. Most 401(k) plans have a very limited number of investment choices.
3. You need an overall cohesive plan, not disconnected tactics. If you have other investments, there’s a likelihood that you have most of your assets in just 1 or 2 “baskets.”
4. No one’s looking out for you. Those people on the phone are service people, not financial planners or stock pickers
5. It won’t give you a tax or distribution strategy, both of which are really important
WHAT GUARANTEES
DO
YOU HAVE?
YOU HAVE OPTIONS
How would you like your money to grow
How would you like your money to be taxed
How would you like your money to be distributed
CLIENT EXAMPLES
CLIENT 1
Not paying attention to his accounts
With this client, we were able to identify that his portfolio of retirement funds did not reflect what his current needs and wants were. A full analysis was done, and he was able to make sound decision to "dial up" and "dial down" certain strategies to give him solutions for her concerns.
CLIENT 2
Regaining back control
The client received a notice from her previous company that if she did not move her money within a certain about of time, there were going to take the required taxes out and cash out her account. She was able to catch that in time and contact us to roll the money over to an IRA (Individual Retirement Account) that suited her goals as well as put the future decisions in her hands and not a "third party" administrator.
CLIENT 3
No benefits in retirement?
This client was concerned that what he mainly had was his pension. The issue was that his benefits would not be included in his retirement. By coming to us, he was not only able to secure a "Pension like" distribution as "Income for Life" but also include benefits such as Living Benefits (Chronic, Critical, Terminal) and a Legacy Plan. He was so happy.
Live to Long: Income for Life
Live too Short: Legacy Plan in place
Get Ill: have Living Benefits covered
HOW CAN WE HELP YOU?
Attend a Webinar
Please join in out next educational webinar where we discuss various Money Matters.
A Phone Call with a Specialist
Sometimes it is just a quick question you need answering and a convenient phone call is a nice option
Schedule an appointment for a Specialist and request the phone call option
There will be a quick link for you to fill out so we can properly prepare for the appointment.
A Virtual Consultation
The most popular choice is a Virtual meeting with one of the specialists.
It has been said "don't just tell me, show me" and this is what these appointments do.
The specialist will go through figures and details as they answer your questions.
Our Outreach Services
INCOME GAP ANALYSIS
The calculation of what is needed and what is set to happen in retirement. To properly set the expectations, the client should have a good balance of guarantees and non-guarantees.
RETIREMENT PROTECTION
Retirement funds take years to build up most of the time. The ups and down of the market can be unnerving. This is why Retirement Protection is a vital part of properly setting a retirement strategy.
PENSION MAXIMIZATION
In everything there are the pros and the cons. Pensions are good but there can be possibilities of it turning into something GREAT with Maximization. The distribution, lump sums, and coverages play a big part of this strategy. One of the favorites among our Specialists.
IRA MAXIMIZATION
There are many different types of IRA's (Individual Retirement Accounts). All in all, it is a good account to build your retirement funds away from Third Party Administrators who have a separate set of rules to follow on top of the IRS rules. The maximization strategy for the IRA covers a goal to leave a legacy while also having enough to spend retirement comfortably.
PROPER PROTECTION
Proper Protection mostly is understood and assumed to mean that it is insurance coverage for a car, boat, or home. But how about your retirement accounts, family, and legacy? Sit with a Specialist to get properly protect the most important aspects of your life.
ESTATE/LEGACY PLANNING
Many misunderstand that estate planning only pertain to the wealth. It is not. It pertains to anyone who which to make sure that their assets are taken care of properly beyond death. Most of the time, it is made sure not to leave a mess for the surviving generations. One of our specialists can do this review and make sure the road map is clear and what you want it to be.
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