401(k) Rollover & IRA Help
Rolling over a 401(k) can be a smart financial move—but only if it’s done right. At Capstone Insurance and Financial Group, we help you avoid costly mistakes and make the most of your retirement savings.
A 401(k) rollover should support your retirement—not complicate it.
Whether you’re retiring, changing jobs, or consolidating accounts, rolling over your 401(k) into an IRA can help simplify your finances and give you more control over your investments. But doing it the wrong way can trigger taxes or penalties.
We help you understand your options, choose the right type of IRA, and handle the rollover process from start to finish. Our goal is to preserve your savings, avoid tax surprises, and give you a strategy that fits your future.
Avoid Unnecessary Taxes or Penalties
A rollover done incorrectly can trigger immediate taxes. We guide you step-by-step to ensure your savings stay protected.
Choose the Right Account for Your Goals
Traditional or Roth? We help you select the right kind of IRA based on your income needs, tax bracket, and long-term plans.
Keep Your Investments Working for You
A rollover is more than a transfer—it’s a chance to revisit your strategy. We help you allocate your funds for long-term growth and stability.
Frequently Asked Questions
What is a 401(k) rollover?
It’s the process of moving funds from an old 401(k) into an IRA or new retirement account without triggering taxes.
Will I pay taxes if I roll over my 401(k)?
Not if it’s done correctly. We help ensure your rollover is tax-free and penalty-free.
Can I roll over more than one account?
Yes. If you have multiple 401(k)s or IRAs, we can help you consolidate them into one streamlined plan.
Should I choose a Traditional or Roth IRA?
It depends on your current tax situation and retirement goals. We’ll walk you through the pros and cons of each.
What happens to my old 401(k) if I don’t roll it over?
It stays where it is, but you may have fewer investment options and limited access. We help you decide what’s best.
Keep More of What You’ve Earned
Let’s roll over your 401(k) the smart way and build a plan for growth.
We’ll help you protect what you’ve saved, avoid mistakes, and make a clear plan for your retirement income.