401k and 403b Rollover Advice for Individuals and Couples

You have retirement accounts in a few different places. So does your spouse.

You haven’t met with a financial advisor to discuss a rollover or your retirement income goals. And with many employers still skewing their employee’s 401(k) choices toward stock funds to grow their accounts rather than bond funds and annuities to distribute them reviewing a rollover might be right for you.

My Rollover Checklist

  • Review the fees in your 401(k) plan or 403b
  • Check if there are enough choices to offer retirement income security
  • Calculate your retirement risk tolerance score
  • Compare your score with your current 401(k) or 403b allocation
  • Recommend if you should leave your 401(k) or 403b in your plan or roll it over it to an IRA
  • Design your retirement portfolio in either your 401(k), 403b or rollover IRA using your retirement risk tolerance and income goals


Please be sure to speak to your advisor to carefully consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to changes to the availability of funds, withdrawals, fund expenses, fees, and IRA required minimum distributions.

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July 2019

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