Conversation Toolkits

Leaving a company: options for retirement accounts

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Topic overview

When people leave their jobs for new opportunities or retirement, they face one of their most critical retirement decision points — what to do with their workplace retirement plan account balances. If they want to maintain their retirement savings in tax-favored accounts, they’ll need to decide whether to leave them in their former employers’ plans or roll them over to IRAs or other eligible plans.

Use this toolkit to help your clients understand their options so they can make the best choice with their retirement plan account.

Is this relevant to my clients?

Individuals could benefit from these tools if they:

  • Are retired (or will be soon)
  • Recently changed jobs
  • Have the option to take an in-service distribution