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   What's So Great About a Rollover? | Dale R. Austin and Julian A. Marturano CLU, ChFC, LUTCF
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Even under the best of circumstances, making a career move requires a series of tough decisions, not the least of which is what to do with the funds in your old employer-sponsored retirement plan.<p>Some people choose to roll over these funds into an Individual Retirement Account, and for good reason. About 42% of all retirement assets in the U.S. are held in IRAs, and 85% of traditional IRA owners funded all or part of their IRAs with a rollover.¹ <sup> , </sup> ²<p>Generally, you have three choices when it comes to handling the money in a former employer’s retirement account.<p>First, you can cash out of the account. However, if you choose to cash out, you will be required to pay ordinary income tax on the balance plus a 10% early withdrawal penalty if you are under age 59½.<p>Second, you may be able to leave the funds in your old plan. But some plans have rules and restrictions regarding the money in the account.<p class=fastFact><strong> Fast Fact: </strong> 61% of U.S. households have some type of tax-advantaged retirement account. <br> 2017 Investment Company Factbook<p>Or third, you can roll the money into an IRA. Why do so many people choose an IRA rollover? Here are a few of the major benefits:<p>Rollovers may preserve the tax-favored status of your retirement money. As long as your money is moved through a direct “trustee-to trustee” transfer, you can avoid a taxable event.³ In a traditional IRA, your retirement savings will have the opportunity to grow tax-deferred until you begin taking distributions in retirement.<p>An IRA rollover may open up your investment choices. When you stick with your former employer’s retirement plan, you are typically limited to the investments offered by the plan. With an IRA, you may have a much broader range of choices, giving you greater control over how your assets are allocated.<p>Rollovers can make it easier to stay organized and maintain control. Some people change jobs several times during the course of their careers, leaving a trail of employer-sponsored retirement plans in their wake. By rolling these various accounts into a single IRA, you might make the process of managing the funds, rebalancing your portfolio, and adjusting your asset allocation easier.<p>An IRA rollover may make sense whether you’re leaving one job for another or retiring altogether. But how your assets should be allocated within the IRA will depend on your time horizon, risk tolerance and financial goals.<ol class=note><li>2017 Investment Company Factbook<li>Distributions from traditional IRAs and most other employer-sponsored retirement plans are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions. If the account owner switches jobs or gets laid off, any outstanding 401(k) loan balance becomes due by the time the person files his or her federal tax return. Prior to the 2017 Tax Cuts and Jobs Act, employees typically had to repay loans within 60 days of departure or face potential tax consequences.<li>The information in this material is not intended as tax advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult a tax professional for specific information regarding your individual situation.</ol><p class=note>The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2021 FMG Suite.<div class="addthis_toolbox addthis_default_style"><a class=addthis_button_compact href=//www.addthis.com/bookmark.php?v=250&pubid=ra-4de97c2f14d0d95b target=_blank> Share </a><span class=addthis_separator> | </span><a class=addthis_button_preferred_1> </a><a class=addthis_button_preferred_2> </a><a class=addthis_button_preferred_3> </a><a class=addthis_button_preferred_4> </a></div><script>var addthis_config = {
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</span><span class="msg formError"> Oops! </span></form></div></section></article><div class=c-matters__container><section class="c-matters c-matters--small c-matter-list"id=suggested><h2>Related Content</h2><section class="c-matter content left asset-295"><div class="c-matter__thumbnail thumbnail"><a class=c-matter__link href=https://www.servicewm.com/resource-center/retirement/how-to-retire-early> <img alt="How to Retire Early"class=c-matter__image src=//static.fmgsuite.com/site/templates/global/img/assets/largethumb/295-largethumb-a.jpg> </a><div class="c-matter__body caption"><h3><a href=https://www.servicewm.com/resource-center/retirement/how-to-retire-early> How to Retire Early </a></h3><p>Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.</div></div></section><section class="c-matter content asset-198"><div class="c-matter__thumbnail thumbnail"><a class=c-matter__link href=https://www.servicewm.com/resource-center/retirement/retirement-income-and-the-traditional-portfolio> <img alt="Retirement Income and the Traditional Portfolio"class=c-matter__image src=//static.fmgsuite.com/site/templates/global/img/assets/largethumb/198-largethumb-a.jpg> </a><div class="c-matter__body caption"><h3><a href=https://www.servicewm.com/resource-center/retirement/retirement-income-and-the-traditional-portfolio> Retirement Income and the Traditional Portfolio </a></h3><p>Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.</div></div></section><section class="c-matter content asset-088"><div class="c-matter__thumbnail thumbnail"><a class=c-matter__link href=https://www.servicewm.com/resource-center/retirement/investment-strategies-for-retirement> <img alt="Investment Strategies for Retirement"class=c-matter__image src=//static.fmgsuite.com/site/templates/global/img/assets/largethumb/088-largethumb-a.jpg> </a><div class="c-matter__body caption"><h3><a href=https://www.servicewm.com/resource-center/retirement/investment-strategies-for-retirement> Investment Strategies for Retirement </a></h3><p>Investment tools and strategies that can enable you to pursue your retirement goals.</div></div></section></section></div></section></div><div class=footer-container><footer><section class="o-container c-footer__container"><div class=o-grid__collapse><div class=c-footer__contact><div class=contact><h4>Contact</h4><div class=moonlight-contact-information><p class=moonlight-phone>Office:  <a href=tel:7247447400> 724-744-7400 </a><p class=moonlight-phone>Mobile:  <a href=tel:7246225686> 724-622-5686 </a><p class=moonlight-fax>Fax: <span> 724-744-4900 </span><div class=moonlight-address_block><p><p class=moonlight-address1>4020 Route 130<p></p><span class=moonlight-city> Irwin, </span><span class=moonlight-region> PA </span><span class=moonlight-postalcode> 15642 </span></div><p><a href=mailto:info@svcwealthmgmt.com> info@svcwealthmgmt.com </a></div><div class=c-socialMedia><a rel="noopener noreferrer"aria-label=Facebook class=facebook href=https://www.facebook.com/www.ServiceWealthManagement/ target=_blank> <i class="fa fa-facebook"aria-hidden=true> </i> </a><a rel="noopener noreferrer"aria-label=LinkedIn class=linkedin href=https://www.linkedin.com/in/dale-austin-b343b71b/ target=_blank> <i class="fa fa-linkedin"aria-hidden=true> </i> </a></div></div></div><div class=c-footer__quick-links><section class=quickLinks><h4>Quick Links</h4><ul><li><a href=https://www.servicewm.com/resource-center/retirement> Retirement </a><li><a href=https://www.servicewm.com/resource-center/investment> Investment </a><li><a href=https://www.servicewm.com/resource-center/estate> Estate </a><li><a href=https://www.servicewm.com/resource-center/insurance> Insurance </a><li><a href=https://www.servicewm.com/resource-center/tax> Tax </a><li><a href=https://www.servicewm.com/resource-center/money> Money </a><li><a href=https://www.servicewm.com/resource-center/lifestyle> Lifestyle </a><li><a href=https://www.servicewm.com/resource-center/articles> All Articles </a><li><a href=https://www.servicewm.com/resource-center/videos> All Videos </a><li><a href=https://www.servicewm.com/resource-center/calculators> All Calculators </a><li><a href=https://www.servicewm.com/resource-center/presentations> All Presentations </a></ul></section></div><div class=c-footer__disclosure><section class=note><p class=boker-check-disclaimer>Check the background of your financial professional on FINRA's <a rel="noopener noreferrer"href=//brokercheck.finra.org/ target=_blank> BrokerCheck </a> .<p class=globalDisclosure>The content is developed from sources believed to be providing accurate information. 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