Review old workplace retirement accounts with care.

401(k) rollovers

Start a 401(k) rollover conversation with facts: where the account is held, what choices are available inside the plan, whether the account holder is still employed, whether a direct rollover is available, what fees or restrictions may apply, and what tax or penalty questions should be discussed before money moves.

Documents to bring

• Recent 401(k), IRA, workplace plan, and insurance statements.
• Current beneficiary information for each account or policy.
• Retirement income goals, household expense estimates, and timing questions.
• Plan rules, distribution paperwork, fee information, or rollover forms if available.

Questions that deserve a slower review

Rollovers can affect tax reporting, beneficiary planning, investment options, fees, timing, and access to money. Organize account statements, plan paperwork, beneficiary forms, and planning priorities that should be understood before they move an old workplace account.

A family may need to compare leaving money in an existing workplace plan, moving it to another retirement account, or reviewing whether a direct rollover is available. Each choice can involve paperwork, disclosures, tax questions, investment options, plan rules, and beneficiary updates. Careful notes help the conversation stay grounded in real account information before any choice is made.