Fiction: If I switch jobs, it makes no difference whether I move my 401(k) or other company-sponsored retirement plan assets to my new job, or if I leave them with my previous employer.

Fact: Many people do not think to move these funds (or to roll them over) to an IRA upon their departure from a job. An IRA may provide you with advantages such as an opportunity to choose from a broader range of asset classes or more flexibility of beneficiary choices. There are some restrictions on the process, however. A financial professional can help you with the details.


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