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CLAIM SMART, RETIRE CONFIDENT
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401(k) ROLLOVER STRATEGIES
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FOR Retirement
- Knowing what to do with your 401(k) when you retire can be confusing, and costly if done wrong. We’ll help you explore your rollover options and build a strategy that aligns with your long-term financial goals.
avoid high taxes
We’ll help you save on
your 401k & IRA.
maximize your savings
Take charge of your finances with Social Security & Income Planning.
optimize your spending
We succeed when you achieve your goal of financial well-being.
Why 401(k) Rollover Planning Matters
- Deciding what to do with your 401(k) when changing jobs or retiring is one of the most important financial choices you’ll make. Rollover mistakes can lead to unnecessary taxes, penalties, and lost growth opportunities. Having a rollover strategy ensures your money keeps working for you in retirement.
- Questions We Hear A Lot:
• “Should I roll my 401(k) into an IRA?” - • “Will I pay taxes if I move my retirement funds?”
- • “What happens if I cash out early?”
- • “How do rollovers affect my investment choices?”
Let’s simplify the rollover process and help you make a confident, tax-smart decision.
Optimizing Your 401(k) Rollover Strategy
The Bucket Plan
Your 401(k) is a powerful retirement asset, but only if used wisely. Our bucket planning strategy helps you rollover and allocate your retirement savings in a way that can help support your income needs, reduce risk, and optimize growth.
We divide your assets into three buckets:
• Now: Easily accessible cash for emergencies
• Soon: Income for the next 10 years
• Later: Long-term growth and legacy planning
This structure helps you avoid tapping into volatile investments too early, while providing clarity and purpose for each dollar in retirement.
why we're different
Maximize Your 401(k) Rollover With A Holistic Approach
Retirement isn’t just about what to do with your 401(k). It’s about how every decision — investments, taxes, income, and healthcare — fits together to support your future. Our holistic planning approach ensures nothing gets left behind.
• Feel unsure about your rollover options?
• Worry about taxes or penalties from a wrong move?
• Need help coordinating your investments and income plan?
• Want to make a tax-smart decision that protects your future?
• Feel overwhelmed by too many choices?
• Want to work with a fiduciary who sees the full picture?-
We don’t just help you with your 401(k) — we guide you through every stage of retirement with clarity and confidence.
FAQ
Frequently Asked Questions About 401(k) Rollovers in Retirement
1.
What is a 401(k) rollover?
A rollover is the process of moving your 401(k) funds into another retirement account—like an IRA—without triggering taxes or penalties.
2.
Should I roll my 401(k) into an IRA or leave it?
It depends on your goals. An IRA may offer more investment flexibility, but keeping funds in your 401(k) may provide unique benefits. We help you evaluate both.
3.
Will I owe taxes on a rollover?
If done correctly as a direct rollover, you won’t owe taxes immediately. Mistakes, however, can result in unexpected tax bills.
5.
How does a 401(k) rollover fit into my retirement plan?
It impacts everything from income to taxes and legacy. That’s why we fit rollover strategies into your full financial picture.
4.
What are the risks of a 401(k) rollover?
Poor timing, fees, and investment mismatches can all reduce your retirement income. That’s why having a strategy is critical.
6.
Can I roll over more than one 401(k)?
Yes, multiple 401(k)s from previous employers can be consolidated—helping you manage your assets more efficiently.
how we help
Continue Your 401(k) Education
Navigating Social Security: Charting a Course for a Secure Retirement
The Social Security program is less than 100 years old, but it’s an institution that’s woven into many aspects of American life. How many of us have Social Security income...
The 7 Holistic Pillars of Retirement Planning with CFF Josh Reesman | The Retirement Planner Ep. 3
“I come from a family of educators, so I love how we do things here: Understand the options, educate people on the pros and cons of those different options, and then make some recommendations and give people an idea of what we think the best options might be for them.”
Explore Bucket Planning for Your retirement Strategy
Learn how strategic asset allocation can help manage financial security through different market conditions.
Disclaimer
Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Missouri. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. This website is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. The Chamberlin Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.
