Keep it where it is
Your former employer plan may remain a reasonable home. We examine plan rules, costs, investment choices, access and service before recommending movement.
Rollover planning
Know what your old retirement account can do next.
A job change or retirement can create choices—and pressure to act. FortiGuard helps you compare those choices, understand their tradeoffs and decide whether a rollover supports your broader retirement plan.
Move to a new employer plan
If permitted, consolidation into a new workplace plan may simplify your finances while preserving plan-specific features.
Roll to an IRA
An IRA can broaden choices and support coordination, but may change fees, protections, services and access. Those differences deserve a clear comparison.
Use more than one strategy
Retirement is rarely all-or-nothing. When appropriate, different portions of an account may serve liquidity, growth, legacy or income needs.
A rollover is not appropriate in every situation. Consider investment options, services, fees and expenses, withdrawal rules, required minimum distributions, creditor protection and tax consequences before deciding.