Starting a new job is exciting, but what happens to the retirement savings you’ve already built up? Leaving your 401(k) behind with your previous employer may mean missed opportunities for growth, flexibility, and security. Now is the perfect time to take control of your retirement funds by rolling over your 401(k) to an IRA, and here’s why it’s a smart move.

Why Rollover Your 401(k) to an IRA?

When you change jobs, your 401(k) account often doesn’t follow, and leaving it untouched can limit your investment options and growth potential. By rolling over your 401(k) to an Individual Retirement Account (IRA), you unlock a world of benefits:

• More Investment Choices: Unlike traditional 401(k)s, IRAs offer a wider range of investment options, allowing you to better customize your retirement portfolio.
• Potential for Tax-Deferred Growth: Keep your savings growing tax-free until retirement, and explore options that better suit your risk tolerance and long-term goals.
• Increased Control & Flexibility: With an IRA, you’re in charge, enabling you to make investment decisions that align with your personal financial plan.

Let’s create your customized 401(k) rollover plan

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Discover the Benefits of Adding Fixed Index Annuities to Your IRA

Fixed Index Annuities (FIAs) add an extra layer of security and growth potential to your retirement portfolio. These annuities are designed to provide predictable returns based on stock market performance without exposing your principal to potential market losses.

Key Benefits of Fixed Index Annuities in Your IRA

• Principal Protection: The key feature of a Fixed Index Annuity is that it protects your initial investment (principal) from market downturns, meaning you cannot lose your original money invested, even if the stock market falls.
• Market-Linked Growth: While protecting your principal, FIAs still allow you to participate in a portion of the stock market’s positive gains by linking their returns to a market index like the S&P 500, offering potential for growth.
• Guaranteed Lifetime Income Options: Choose annuity options that can provide guaranteed income throughout your retirement, ensuring you never outlive your savings.
• Predictable Returns: Although not guaranteed, FIAs provide a degree of predictability in returns as they are tied to the performance of a specific market index, offering some stability compared to directly investing in stocks.
• Tax-Deferred Growth Potential: Like other retirement investments, FIAs grow tax-deferred, helping you keep more of your hard-earned money.

Consider These Important Facts Before Leaving Your 401(k) Behind?

• An estimated 1 in 5 U.S. workers have left behind or forgotten 401(k) retirement accounts, according to estimates by Capitalize, a financial services company. Source: CNBC
• IRAs Offer More Investment Options Compared to 401(k) Plans – An IRA is typically held by a brokerage or investment firm. In general, it offers more investment options than a 401(k), but contribution limits maybe much lower. Source: Investopedia
• Nearly 7 in 10 retirees who own an annuity are more confident their savings and investments will not run out if they live to age 90, compared with 57% of retirees who don’t own an annuity, the 2016 LIMRA survey found. Source: Kiplinger

Don’t Just Save—Build a Stronger Future with Fixed Index Annuities

Preparing for retirement means making strategic choices that support both growth and security. By adding FIAs to your IRA, you’re setting the stage for a worry-free retirement, knowing you have a stable source of income and a growth-focused plan.

Your Retirement Deserves a Fresh Start—Make Your 401(k) Work Harder with an IRA Rollover.

Whether you’re in a new position or planning a career change, your retirement shouldn’t be left behind. Take this opportunity to enhance your financial security and make your savings work harder for you.

Your new job deserves a fresh financial start—bring your 401(k) along with you.