Download our Flowchart: Should I Roll Over My Dormant Traditional 401(k)?

401(k)s and IRAs have many unique features that may be beneficial to you, depending on your circumstances. The decision to roll funds out of a former employer’s plan involves more factors than just fees and investment selection.

To help make this analysis easier, we have created the “Should I Roll Over My Dormant Traditional 401(k)?” flowchart. It addresses some of the most common issues that should be considered before doing a rollover, including:

Common IRA and 401(k) features and differences | Net Unrealized Appreciation options | Age-based distribution options | Taxes and penalties in an IRA versus a 401(k) | Availability/existence of loans and the impact of a rollover | Hardship Withdrawals | Substantially Equal Periodic Payments