Carr Wealth Management, LLC, has been an independent Fiduciary serving the Tri-Valley area for the past 26 years. We offer low-cost investment solutions to help you reach your retirement goals. Part of our process in serving clients involves facilitating the “rolling over” of employer accounts as efficiently as possible. We have the technical expertise to help facilitate the required paperwork and related statements.

Employer Plan Rollovers 

A Rollover may be possible if you have left your employer for retirement or other reasons. We can help manage any employer retirement account that you would like to rollover into an IRA (deductible or non-deductible), including:

• 401K Rollovers/Roth 401K Rollovers

• 403B

• 457B

• ESOP

If keeping your account at your former employer is permitted, the following questions should be answered:

a) What total costs do you pay for your account in your former employer's retirement plan? These costs include investment (retail funds) costs, management costs, transaction costs, and any other fees that are being charged directly or indirectly to you.

b) Does the current asset allocation in your retirement plan reflect your unique financial situation?

c) Do you have access to a source of financial knowledge that can help you make better-informed decisions in your retirement?

Transfers

Whether due to changing employers or choosing different investment opportunities, it's not uncommon to have accumulated several investments by the time one retires. While having many types of investments may be a positive accomplishment, examining whether there's a more efficient way to consolidate your investments can be beneficial. This approach can help avoid a record-keeping nightmare and provide clarity on your overall asset allocations, costs, and risks. Some potential advantages to consolidating your retirement accounts with Carr Wealth Management, LLC, are:

1. Uniform your investment strategy by clearly identifying how your objectives and goals match your investments and risk tolerance.

2. Consolidate your accounts as much as possible to save time and costs.

3. Take advantage of the lower costs provided by our competitive low-cost investment vehicles and fee-only cost structure.