Make your retirement seamless.

Partner with a financial advisor to help transition into your remarkable retirement.

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Personal Planning

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Investment Strategy

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Relationship-Driven

Avoid the common rollover pitfalls.

It can feel overwhelming, but considering transitioning your retirement accounts can be seamless when you understand how to transition well.

1. Choosing the Right Rollover
You have a lot of options when you retire, especially if you move out of an employer-sponsored plan. It's critical to choose a direct roller that follows IRS guidelines.

2. Timing Matters
It's important to make your move at the right time. Many people rollover too soon and have to pay penalties. We help you determine the best time for you.

3. Penalties and Taxes
Make sure you're informed of any penalties and taxes you may incur with a rollover. When you select the right type of rollover at the right time, you'll avoid penalties.

4. Former Employer Account
If your 401(k) or IRA is with a former employer, it doesn't mean the employer will continue to manage it. It's why a financial advisor can help you navigate the change and determine if keeping your plan with your former employer or rolling it over is a more suitable option for you.

5. Investment Choices
Understanding your goals and the long-term plan will help us select the investments to help build your remarkable retirement.

Find guidance for your transition decisions.

Are you retiring?

For many, retirement means transitioning your 401k from your employer to your financial advisor. Leverage over three decades of experience to make your transition seamless.

Are you changing employers?

For others, changing employers is a time to reexamine your investment strategy. We help evaluate available options to help you make informed decisions. 

Do you want a custom plan?

If you want to explore a custom portfolio, we can help design and build an investment strategy that works for you.

A seamless process for your retirement.

Transitioning into retirement can feel overwhelming. Take away the stress with a detailed plan.

1. Inquire
Today

Through highs and lows, you need an advisor with the experience to navigate market waves.

2. Talk to
an Advisor

Talk to an advisor about your dreams and goals, and how we can support your transition.

3. Get
Your Plan

We guide you with a personalized plan and investment strategy designed around your vision.

 

Download your free retirement checklist.

Includes 5 steps to help you stay on track.

Explore if we are the right partner for you.

What is your vision for retirement?

We love to help people capture a vision and create a plan to build a remarkable retirement.

What have you saved for retirement?

We're best suited to serve people with $500,000 or more in IRA and 401k accounts.

When you do plan to retire?

Our relationships with clients often begin 5-10 years before retirement, but we also help people who are ready to retire sooner or planning far out in the future.

Additional considerations.

If you are considering rolling over money from an employer-sponsored plan, such as a 401(k) or 403(b), you may have the option of leaving the money in the current employer-sponsored plan or moving it into a new employer-sponsored plan. Benefits of leaving money in an employer-sponsored plan may include access to lower-cost institutional class shares; access to investment planning tools and other educational materials; the potential for penalty-free withdrawals starting at age 55; broader protection from creditors and legal judgments; and the ability to postpone required minimum distributions beyond age 72, under certain circumstances. If your employer-sponsored plan account holds significantly appreciated employer stock, you should carefully consider the negative tax implications of transferring the stock to an IRA against the risk of being overly concentrated in employer stock. You should also understand that Commonwealth and your financial advisor may earn commissions or advisory fees as a result of a rollover that may not otherwise be earned if you leave your plan assets in your old or a new employer-sponsored plan and that there may be account transfer, opening, and/or closing fees associated with a rollover. This list of considerations is not exhaustive. Your decision whether or not to roll over your assets from an employer-sponsored plan into an IRA should be discussed with your financial advisor and your tax professional.

Inquire today.

We'd love to hear more about you, and explore how we can help you build your remarkable retirement.