Heartland Wealth Strategies

401(k) Rollover Services

Retiring or changing jobs? What should you do with the 401(k) money you’ve accumulated? You may have up to four options (and may engage in a combination of these options): leave the money where it is, roll it over to your employer’s new plan, roll it into an Individual Retirement Account (IRA), or cash it out. We can help you explore these choices and guide you through the necessary steps.

Changing Jobs

Changing Jobs

Don’t ignore your old 401(k) that’s sitting at a former employer. Let’s discuss your options.
401(k) Rollover Assistance

401(k) Rollover Assistance

We can help you discuss options for your retirement assets and investment opportunities to help you pursue your financial goals.
Free Consultation

Free Consultation

Our Wealth Planners will provide a free, no-obligation consultation to help you navigate these important decisions.

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Consider Your 401(k) Options
When Changing Jobs

  • Take the cash: When withdrawing cash, taxes will play a critical role. It's important to understand your options
  • Directly roll the money into an IRA: You may want to consider this option if you change jobs often or if a new employer does not offer retirement plans.
  • Use the new employer’s plan: Rolling over 401(k) savings can be advantageous for professionals, especially those in corporate jobs with robust 401(k) plans. This approach allows direct transfer between employers, potentially avoiding IRS fees, even if you’re not immediately eligible to contribute to your new employer’s retirement plan.
  • Keep the old plan: If you have at least $5,000 in your old retirement account, your employer must allow you to retain your 401(k) account if you want to. You may want to consider this option if you leave your job to start a business, or want to add some diversity to your retirement holdings.

Have a Wealth Planner contact you
for a free consultation

Or call Heartland Wealth Strategies at 620.888.6485

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Heartland Credit Union (“Your Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Credit Union and Heartland Wealth Strategies are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Wealth Strategies, and may also be employees of Heartland Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Credit Union or Heartland Wealth Strategies. Securities and insurance offered through LPL or its affiliates are:

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