Services – Expert Guidance for 401(k) Transfers
At Callan & Associates, we focus on helping you take control of your retirement savings with seamless 401(k) transfer solutions and personalized strategies to protect your financial future. Whether you’re navigating a career change, consolidating old retirement accounts, or seeking to safeguard your long-term savings, we’re here to guide you every step of the way.
Ready to Take the Next Step?
When you leave a job, your 401(k) account doesn’t follow you automatically—it stays with your former employer’s plan. This can lead to limited investment options, higher fees, and administrative headaches. Rolling over your 401(k) into an IRA can help you:
Lower Fees
Many IRAs offer reduced or no administrative fees, helping you keep more of your savings.
Simplify Management
Consolidating multiple 401(k) accounts into a single IRA makes retirement planning easier to track and manage.
Gain Tax Advantages
IRAs provide options like Roth IRA conversions, which can help reduce your tax burden in retirement.
Protect Your Assets
Safeguard your savings by transferring your old 401(k) and exploring IRA options beyond your old employer’s plan.
Your Options for an Old 401(k): What You Should Know
When leaving a job, you have four primary options for handling your 401(k):
1. Leave It with Your Previous Employer
- Pros: No immediate action required.
- Cons: Higher fees, limited investment options, and the risk of losing track of your account over time.
2. Transfer It to Your New Employer
- Pros: Keeps retirement accounts consolidated.
- Cons: New employer plans may have high fees, limited options, or restrictions on rollovers.
3. Cash It Out
- Pros: Immediate access to funds.
- Cons: Significant tax penalties and a 10% early withdrawal penalty if under 59½, reducing your long-term savings.
4. Roll It Over to an IRA (Recommended)
Pros: Typically the best option. Gain control over your investment choices, reduce fees, consolidate accounts, and explore tax-efficient strategies like Roth conversions.
Retirement Planning Solutions
Planning for retirement involves more than just saving—it’s about making informed decisions to protect and manage your assets. Whether you’re early in your career or approaching retirement, Callan & Associates provides personalized strategies that align with your goals, helping you navigate important decisions with confidence.
Diversified Investment Strategies
Through our referral partnership with Empowered to Retire, we help ensure your assets are properly allocated to match your risk tolerance and financial goals. A well-diversified strategy helps protect your savings while working toward your long-term objectives.
Why Choose Callan & Associates?
- Expertise You Can Trust: With decades of experience, we specialize in simplifying 401(k) rollovers, retirement account transfers, and asset protection strategies.
- Personalized Approach: Your goals are unique, and we tailor our solutions to meet your specific needs.
- Seamless Process: By consolidating old accounts we make the process straightforward and stress-free.
- Strategic Partnerships: Through our partnership with Empowered to Retire, you benefit from a collaborative team focused on helping you protect your assets.
Let’s Build Your Financial Future
Take control of your retirement savings today. Whether you’re considering a 401(k) rollover, exploring tax-efficient options, or building a comprehensive retirement plan, Callan & Associates is here to help.
Take the First Step Toward Financial Clarity
Ready to simplify your 401(k) transfer? Reach out today for expert, personalized guidance. Complete the form below, and let’s start your journey with clarity, confidence, and trust.
Your financial future is priority—let’s make it happen together.
