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Answers to the most common questions about retirement plan rollovers

401(k) Rollover Decision Kit

7 Vital Factors to Consider

While our grandparents may have worked one job their entire lives and retired with a company pension, those days are long gone. It’s more likely that you’ve worked for a variety of different companies throughout your career, leaving a trail of old 401(k)s that you really don’t know what to do with. Do you leave them where they are? Do you move it into your personal account, or to a traditional IRA or Roth IRA? What about the tax implications?

Before you make a decision about what to do with your old 401(k) or 403(b) accounts, or whatever retirement plan you have at work, you need to understand what your options are. Don’t wait — download your free decision kit today!

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Rollover Decision Kit - 7 Vital Factors
Decision Guides

Retirement Plan Rollover Decision Guides

To roll or not to roll–that is the question. Whether you’re headed into retirement, or you’re moving on to a different job, either way, you’ve got some important decisions to make. In these six decision guides, you’ll find information on rollovers, IRA distributions, Roth conversions, and more.

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Rollover Decision Kit - Decision Guides

Important Information:

The information provided should not be considered specific tax, legal, or investment advice and is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. This material was gathered from sources believed to be reliable, however, its accuracy cannot be guaranteed.

Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including the investments purchased and/or investment strategies devised by LCG) will be either suitable or profitable for a client’s or prospective client’s portfolio, thus, investments may result in a loss of principal. Accordingly, no client or prospective client should assume that the presentation (or any component thereof) serves as the receipt of, or a substitute for, personalized advice from LCG or from any other investment professional.

You should always seek counsel of the appropriate advisor prior to making any investment decision. All investments are subject to risk including the loss of principal. This material was gathered from sources believed to be reliable, however, its accuracy cannot be guaranteed.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

IRA withdrawals will be taxed at ordinary income rates. Withdrawals prior to age 59½ may also be subject to a 10% penalty tax.

Roth IRA distributions of principal from a Roth IRA are tax-free; however, any earnings will be taxed at ordinary income rates and a 10% penalty tax will apply if withdrawn prior to age 59½ or within five years of the date the Roth IRA was established, whichever is longer.

Examples cited are hypothetical, are for illustrative purposes only, are not guaranteed and subject to potential federal and state law amendments. There is no guarantee that you will achieve the results discussed or illustrated.

It is important to keep in mind that investments in fixed income products are subject to liquidity (or market) risk, interest rate risk (bonds ordinarily decline in price when interest rates rise and rise in price when interest rates fall), financial (or credit) risk, inflation (or purchasing power) risk and special tax liabilities. Interest may be subject to the alternative minimum tax. Treasury securities are backed by full faith and credit of the U. S. Government but are subject to inflation risk.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.

Before investing, carefully consider an exchange-traded fund’s and/or mutual fund’s investment objectives, risks, charges, and expenses. To obtain a prospectus or summary prospectus, which contains this and other information, call your financial advisor. Read the prospectus carefully before investing.

Investment advisor representatives of Lucia Capital Group, a registered investment advisor, are also registered representatives of, and offer securities through its affiliate, Lucia Securities, LLC, a registered broker/dealer and member FINRA/SIPC. Lucia Securities, LLC, is a wholly owned subsidiary of Lucia Capital Group and the dba for Lucia Insurance Services, LLC. Registration with the SEC does not imply a certain level of skill or training. Registered representatives of Lucia Capital Group only conduct business in the states where they are currently licensed.

CAA-12564 (07/20)