Retirement Income Planning
Why roll over your old retirement accounts
Plan with Confidence
Changing jobs or retiring often leaves you with lingering 401(k)s and IRAs. A well-planned rollover can bring everything under one roof, expand investment choices, and cut fees, all while coordinating with your retirement timeline. Peterson Row helps you decide when a rollover makes sense, how to avoid penalties, and how to fit the move into your broader retirement strategy.
Our Investment Approach
We simplify the rollover process by guiding you through your options, handling the paperwork, and aligning your retirement savings with a strategy that protects your money and keeps it growing toward your goals.
01
401(k) rollover evaluation
We compare options: roll over, leave funds in the old plan, or use a new employer plan. The recommendation is based on costs, investment menus, creditor protections, and your goals.
02
Investment of rolled funds
Once assets arrive, we place them into a diversified portfolio aligned with your plan so money doesn’t sit idle. If you’d like to see how portfolios are structured, explore our investment management approach.
03
IRA rollover setup
When appropriate, we open Traditional or Roth IRAs, handle paperwork, and coordinate a direct trustee-to-trustee transfer to prevent withholding or penalties.
04
Tax considerations
We help you avoid common missteps, compare direct vs. indirect rollovers, and evaluate whether a partial Roth conversion is appropriate this year. For broader strategy across accounts, learn how we approach tax planning.
05
Old 403(b), 457, or TSP plans
We assist with non-401(k) rollovers too, ensuring each plan’s rules and timelines are handled correctly.
Rollover vs. other options
Your decision should weigh more than convenience:
- Leave funds in the old 401(k): May offer institutional funds or lower costs, but menus can be limited and scattered.
- Roll to a new employer plan: Keeps everything at work and may enable backdoor strategies; check fees and fund quality.
- Roll to an IRA: Typically more investment choice and holistic oversight; pay attention to costs and creditor protections.
- Cash out: Generally discouraged due to taxes and potential penalties, plus the hit to long-term growth.
Get help with your rollover
Before you move a dollar, talk through timing, taxes, and investment fit with Peterson Row. A short conversation can save costly mistakes and set your retirement accounts on the right path.
