Simplify Your Investments With Roll-In Services
What Is a Roll-In?
Benefits of a Roll-In
Why Consolidate Your Retirement Accounts?
Is a Roll-In Right for Me?
Start Your Roll-In
[b3-regular]Consider all your options, account features, and fees before moving money between accounts.[/b3-regular]
Roll-In Options With MissionSquare
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Roll-In Decision Checklist
Evaluate Investment Options, Fees, and Services
Compare your accounts and determine which one offers more or better investment options, lower fees and expenses, and/or additional, or a higher level of, services.
Explore an IRA
Consider rolling into a traditional or Roth IRA vs. an employer-sponsored plan, which can add flexibility to your retirement savings portfolio when you begin making withdrawals because of their different tax benefits. Make sure you review the IRA rules before initiating a roll-in.
Know the Tax Implications
A penalty tax generally applies to withdrawals from retirement plans before age 59 1/2. Exceptions to this tax can differ depending on the type of retirement plan you have.
Check for Creditor Protection
Depending on your state’s laws, an employer-sponsored retirement plan may offer greater protection from creditors and legal judgments.
Consider Your Portfolio
If your retirement savings are scattered across many accounts, it can be difficult to get a clear picture of your finances and manage your investments, including rebalancing regularly and tracking RMDs.