Understand the account
Identify holdings, fees, restrictions, beneficiaries and the services currently available.
← All solutionsReview an old
Solution 06 · Retirement account review
Review an old
401(k), IRA or TSP.
A retirement account from an earlier chapter should not remain on autopilot simply because the paperwork feels complicated. Understanding your choices is the first step.
Complimentary conversation. No obligation. Education comes first.
Bring old accounts into focus
Does yesterday’s plan still fit
tomorrow’s retirement?
A former employer plan or long-held IRA may be perfectly appropriate—or it may carry costs, limitations or risk that no longer fit your life.
Common choices can include leaving assets in a former plan, moving them to a new employer plan, rolling them to an IRA or taking a distribution. Each path has different fees, investments, protections, services and tax consequences.
Compare available paths
Review the practical differences among keeping, consolidating, rolling over or distributing assets.
Reassess risk
Evaluate whether the current investment and protection approach matches your retirement timeline.
Connect it to income
Consider how the account may eventually support withdrawals, guarantees and retirement expenses.
A rollover is not automatic
Every option has
advantages and tradeoffs.
No single path is right for everyone. We help you compare the account you have with the choices available before any transfer is considered.
Compare your choicesWhat does the current plan provide?
Fees, investment choices, withdrawal rules, creditor protections and support services vary by plan.
Would consolidation help?
Fewer accounts may simplify oversight, but convenience alone should not drive a rollover.
What tax rules apply?
Direct rollovers, distributions, withholding and required minimum distributions can create different tax outcomes.
Could protected strategies play a role?
Insurance-based options may be considered alongside investments when protection or income is a priority.
Review before movement
Understand the account
before changing it.
The goal is a documented comparison—not a predetermined rollover.
- 01
Gather the details
Collect recent statements, plan information, beneficiaries and retirement objectives.
- 02
Identify the choices
Confirm which options are actually available under the plan and your circumstances.
- 03
Compare side by side
Review fees, investments, protection, liquidity, service and tax considerations.
- 04
Choose deliberately
Act only when the destination clearly supports the role the money must play.
Put every account to work
An old retirement account deserves
a current conversation.
Meet with an SLA licensed professional to understand the choices surrounding your 401(k), IRA or TSP before deciding whether it should stay, move or change roles.
Schedule a Complimentary Review General education only. Any recommendation requires an individual review of your circumstances and eligibility.