Reasons to Roll

April 22, 2023

When you leave your job or retire, you have an opportunity to manage your funds in an employer-sponsored retirement plan such as a 401(k), 403(b), or government 457(b) plan. Depending on the situation, you generally have four options.* The approach that typically gives you the most control over the funds is to transfer some or all of the assets to an IRA through a rollover.


Three out of five households who owned traditional IRAs in 2022 had executed at least one IRA rollover from an employer-sponsored retirement plan. These were the top reasons for the most recent rollover.


*Other options may include leaving assets in the former employer's plan, transferring assets to a new employer-sponsored plan, or withdrawing the money. 

reason-to-roll-chart

All Securities Through Money Concepts Capital Corp., Member FINRA / SIPC

11440 North Jog Road, Palm Beach Gardens, FL 33418 Phone: 561.472.2000

Copyright 2010 Money Concepts International Inc.

Investments are not FDIC or NCUA Insured

May Lose Value - No Bank or Credit Union Guarantee

This communication is strictly intended for individuals residing in the state(s) of MI. No offers may be made or accepted from any resident outside the specific states referenced.

Prepared by Broadridge Advisor Solutions Copyright 2020.

White ghost beside a blue smartphone with a green sound icon and “TAP HERE” text
By TFC Team • September 21, 2026
Learn how ghost tapping scams work, the risks tied to tap-to-pay cards and mobile wallets, and simple steps to help protect your money and personal information.
How an HSA Can Support Your Health Costs and Retirement Savings
By TFC Team • September 21, 2026
Learn how a Health Savings Account can offer tax advantages, help cover qualified medical expenses, and build funds for health-care costs later in life.
Two businesspeople in suits walking outdoors; one carries a briefcase and the other checks a phone.
By TFC • September 21, 2026
Learn how workplace retirement plans work, including target-date funds, stock and bond funds, company stock, diversification, and portfolio rebalancing.
Couple walking hand in hand along a beach under a clear blue sky
By TFC Team • September 21, 2026
Learn how claiming age affects Social Security retirement benefits, from reduced payments at 62 to delayed retirement credits available through age 70.
Show More