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Rollovers

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

  • 401K
  • 403B
  • 457B
  • ESOP

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

a) What are the total costs you are paying for your account to be held 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 your 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 financial decisions in your retirement?

Transfers

Whether it's due to changing employers or choosing different investment opportunities, it's not uncommon to have accumulated several investments by the time one reaches retirement. While having many types of investments may be a positive accomplishment, it may be beneficial to examine whether there's a more efficient way to consolidate your investments to avoid a record keeping nightmare and know where you are with 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 with a clearer picture of how your objectives and goals match your investments and risk tolerance.
  2. Consolidate your accounts as much as possible which saves time and possibly costs.
  3. Take advantage of the lower costs provided by our competitive low-cost investment vehicles and fee-only cost structure.

Rollover Choices

One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.

Individuals have four choices with the 401(k) account they accrued at a previous employer.

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Investment Management Services

Carr Wealth Management, LLC, is an independent, fee-only Registered Investment Advisory Firm. We manage investment portfolios for clients who seek objective, low-cost, and tax-efficient solutions from an experienced fiduciary. We have been providing high-quality service to the Tri-Valley area for over twenty-years. 

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Investment products offered through Carr Wealth Management, LLC, are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

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