Retirement Plan Rollovers

This chapter of your working career is over. You've said goodbye to your co-workers; You've boxed up your personal belongings, cleaned out your desk and are moving on. But, in the blur of this transition, you may have left something important behind. And, it could seriously affect the quality of your post-retirement life. We're talking about your assets sitting in your old employer's 401(k) plan.

Instead of leaving it behind or ignoring it, what should you do with the money you've earnestly tucked away in your 401(k) account? In a tough economy, you may be considering cashing it out to provide some financial relief now. In fact, a recent study found that 46% of employees who left their job last year took a cash distribution from their 401(k) plan. But avoid this option if you can. By cashing out your 401(k) now you may incur stiff government taxes and penalties. In fact, you could lose up to 45% of your investment to taxes and penalties alone! Not to mention you'll be missing out on future year's worth of significant tax-deferred growth on your investment.

If you decide you want to preserve your tax-deferred retirement nest-egg, an excellent choice is to take control by rolling it into an individual retirement account (IRA). Most employers allow you to move your retirement money directly to an IRA. This transfer of funds is called a Direct Rollover. With this approach, your plan is not required to withhold any funds for taxes. The funds distributed are not subject to taxation at the time of the transfer, and no early withdrawal penalty will apply.

Existing IRA Rollovers
Many financial experts have described our current economy as "in poor health" and "limping along." How has the economy affected your retirement investments? Are your current retirement investments performing like they should? Are they safe and secure? Are they providing the tax benefits you need and deserve? If you can't answer these questions- it's time for you to give the health of your retirement account a good checkup.

You may also feel that your current retirement investment company isn't providing you a high level of service, or they don't seem to have your retirement best interests at heart. In either case, we would encourage you to consider rolling your current retirement account balances into a safe, secure and tax-deferred retirement nest-egg IRA with us.

Choosing the Best IRA for You
So, which IRA solution is right for you? That's where we come in. Our expertise focuses on helping you choose the best IRA for your unique situation. We'll guide you through the process of rolling over your old retirement account into a new, carefully screened IRA. You can open an IRA account yourself online and within minutes. Or, you can call our highly-trained, IRA Customer Service Representatives. They are available 7 days a week to explain your investment options, answer your questions and help establish your new IRA account.

It's important for you to know that we carefully screen each investment option offered. We believe that screening funds and providing top quality investment options, comprised of no-load funds, empowers you with a simple and easy way to grow your retirement. You can choose from funds in all asset classes as well as target date funds, if you desire a more managed solution.

All funds we offer are:

• Giving your current retirement accounts a good checkup doesn't have to be a painful experience and, unlike a regular checkup, it doesn't have to be expensive. In fact, we are delighted to offer you help as part of our standard service. Our skilled Customer Service Representatives are ready to answer your questions.
• Contact us today and allow us to help you navigate your retirement account options and assist you on the path toward a healthier financial retirement future.