Leaving a job or retiring? A direct rollover can move your 401(k), TSP or IRA into an annuity with no taxes or penalties, so your savings stay protected and can pay you for life.
A direct (trustee-to-trustee) rollover keeps the money tax-deferred and avoids the 20% withholding trap.
Move market risk off the table with principal-protected options.
Turn a lump sum into a retirement paycheck you can't outlive.
When you leave an employer you can usually leave your 401(k) or TSP where it is, cash it out, or roll it over. Cashing out triggers income tax and possibly a 10% penalty. A direct rollover to an IRA or an IRA annuity keeps your money working tax-deferred.
The paperwork matters. An indirect rollover (a check made out to you) has a 60-day deadline and mandatory withholding. We help you do it as a direct transfer and compare annuity options so you understand every choice before you sign.
We look at your 401(k), TSP or IRA and your goals.
Growth, protection and income choices, side by side.
A direct transfer, done right the first time.
How to move a 401(k), TSP or IRA safely, avoid tax traps, and protect what you've saved. Download it free, then book a no-pressure 15-minute call if you'd like to see your own numbers.
Yes. After you leave the employer (or reach eligibility), you can usually do a direct rollover into an IRA annuity without taxes or penalties.
Yes. Federal employees can transfer TSP funds to an IRA, including an IRA annuity, after separating from service or reaching age 59½ for in-service withdrawals.
If you take a check yourself, you have 60 days to deposit it into another retirement account, and 20% is withheld. A direct rollover avoids both issues.
It depends on your fees, investment options and income needs. Our free review compares your current plan with your options.
