If you’ve changed jobs, retiring or just looking to combine your “scattered retirement assets,” you will probably want to do something with your company sponsored retirement plan.

An IRA Rollover is a tax-free transfer of funds from a tax-deferred plan, such as a 401(k) plan, to a traditional IRA. A former employee usually has a choice of two methods to accomplish the IRA Rollover - the direct rollover or the indirect rollover.

Direct Rollover

In a direct rollover, which is also sometimes called a "plan-to-plan transfer," the eligible rollover distribution that is transferred directly by the employer-sponsored plan to the employee's IRA. The funds are never actually transferred to the employee individually.

Indirect Rollover

Under the indirect rollover method, the employer-sponsored plan writes a distribution check to the employee, who then deposits the check in his or her own account. The employee then has 60 days to transfer all or a portion of the amount received in the distribution to an IRA. The distribution is not taxable to the employee if the transfer occurs within 60 days.

Roll over your old company plan 401(k)s into one convenient AssetBuilder Rollover IRA. We’ll provide a well diversified, multi-asset portfolio that will capture the return of major asset classes with no manager risk and at an expense level well below typical financial service firms. AssetBuilder provides investors with pre-built, low-cost, risk-measured portfolios created with funds from Dimensional Fund Advisors, the original smart indexing firm.

That means you get to keep more of the return on your money.

AssetBuilder’s recommended information for 401K Rollovers Our job is help educate you. Check out these links for more detailed information on 401K Rollovers.

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