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Assets and Investment Planning

Should I Roll Over My Dormant Traditional 401(k)?

401(k)s and IRAs have many unique features that may be beneficial to your client, depending on their circumstances. The decision to roll funds out of a former employer’s plan involves more factors than just fees and investment selection.

To help make this analysis easier, we have created the “Should I Roll Over My Dormant Traditional 401(k)?” flowchart. It addresses some of the most common issues that should be considered before doing a rollover, including:

  • Common IRA and 401(k) features and differences
  • Net Unrealized Appreciation options
  • Age-based distribution options
  • Taxes and penalties in an IRA versus a 401(k)
  • Availability/existence of loans and the impact of a rollover
  • Hardship Withdrawals
  • Substantially Equal Periodic Payments
Related Guides
Can I Make A Deductible IRA Contribution?
Category: Working / Accumulation Phase, Tax Planning, Assets and Investment Planning, General
Can I Make A Mega Backdoor Roth Contribution?
Category: Working / Accumulation Phase, Tax Planning, Assets and Investment Planning
Can I Do A Net Unrealized Appreciation (NUA) Distribution?
Category: Working / Accumulation Phase, Tax Planning, Assets and Investment Planning
Can I Do A Qualified Charitable Distribution From My IRA?
Category: Working / Accumulation Phase, Retirement / Decumulation, Tax Planning, Estate Planning, Assets and Investment Planning, General
Should I Inherit My Deceased Spouse’s Traditional IRA?
Category: Retirement / Decumulation, Estate Planning, Assets and Investment Planning
Can I Avoid Taking My RMD After Reaching My Required Beginning Date (RBD)?
Category: Retirement / Decumulation, Tax Planning, Assets and Investment Planning, Life Events
Will A Distribution From My Traditional IRA Be Penalty-Free?
Category: Retirement / Decumulation, Tax Planning, Assets and Investment Planning
Can I Make A Backdoor Roth IRA Contribution?
Category: Working / Accumulation Phase, Assets and Investment Planning, General
Can I Contribute To My Roth IRA?
Category: Working / Accumulation Phase, Assets and Investment Planning
Should I Contribute To My Roth IRA Vs. My Traditional IRA?
Category: Working / Accumulation Phase, Tax Planning, Assets and Investment Planning, General
Should I Contribute To My Roth 401(k)?
Category: Working / Accumulation Phase, Assets and Investment Planning
What Will Have The Least Tax Impact: Harvesting Capital Gains Or Roth Conversions?
Category: Tax Planning, Assets and Investment Planning
How Must I Take Distributions From My Twice-Inherited Traditional IRA?
Category: Estate Planning, Assets and Investment Planning

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Hundreds of other advisors are actively using fpPathfinder. Read what those lovely people have to say about us.
“fpPathfinder is the only planning tool that tries to address all of the obstacles facing our clients”
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