When you change jobs or retire, there are four things you can generally do with the assets in any employer-sponsored retirement

plan:

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• Leave the money where it is

• Take the cash (and pay income taxes and perhaps a 10 percent additional federal tax if you are younger than age 59½)

• Transfer the money to another employer plan (if the new plan allows)

• Roll the money over into an IRA

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Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you.

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If you decide to cash out of an IRA, we can help you find suitable vehicles to help you reach your retirement income goals.