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Leaving an employer can bring change and uncertainty, including decisions about your retirement assets. Understanding your options can help you move forward with clarity and confidence.
This may be an option, depending on your former employer’s retirement plan; check with the plan administrator.
Assets can be rolled into an IRA at any financial institution, and can continue to be invested tax-deferred.
This may be an option, depending on your new employer’s retirement plan; check with the plan administrator.
Depending on your age and account balance, taxes and penalties may deplete a large component of your savings.
Withdrawals will be taxed at current rates. Early withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax.
Be sure to consider the impact of fees and expenses in connection with the different options described above and consult with your personal tax advisor before making any decisions.
When making the decision to roll over a 401(k) account to an IRA, please consult your tax or legal advisor regarding any tax or other implications, and consider that investment choices and retirement payment options between the accounts will differ, and other costs and expenses may differ
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This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Wealth Management and its affiliates and vendors do not provide legal, tax or accounting advice.
You should consult your own legal, tax or accounting professional.
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