Retirement Plan Rollovers:  Such as 401K, 403B and 457, when you leave your employer.

What is a Retirement plan Rollover:

    A tax-free reinvestment of a distribution from a qualified retirement plan into an IRA or other qualified plan within a specific time frame, usually 60 days. These transfers can happen when leaving a job at an employer who offered a retirement plan such as a 401(k) plan. The company can issue a check for the amount minus 20% in withheld taxes. To avoid this penalty, the IRA rollover must be done trustee to trustee, meaning that the check is made out to the new trustee or custodian of the IRA rollover. The company will provide the check and the participant must deposit the check into the new account within 60 days.  The best way to rollover the retirement amount is not to handle the money--but have it "Directly" or done in a "trustee to trustee" manner.  This eliminates the worry about the 60 day rule.

What do I need to know about Rollover IRA's?

    This is a critical decision for your future.  Who do I use and why to rollover my workplace retirement plan?

    You must be very careful how you do the rollover.  You don't want to be on the hook for penalties or taxes.  You have built this money up over your lifetime. Now is the time to do careful planning with a low cost professional.

    We use no load fund funds from companies that have decades of integrity and ease of use like Vanguard, Oakmark, Fidelity and T. Rowe Price.  If you have read about no-load mutual funds, go to their websites and see why I used these funds--No big front end or back end loads for you, and quality income and growth funds for the future and now.

    Rollover a retirement plan with no conflict of interest or high fees.  Please call us with any questions.

    If you are skeptical about what you are being charged now, give me a call toll-free at 1-515-733-2070 or toll-free at 1-877-936-7223. 

    At CG Financial Consulting there is no big 1-3% annual charge, just fair pricing by the hour or by the plan.  Fair pricing and smart planning.

    Do what Smart Money, Kiplinger's Personal Finance and Money Magazine all recommend.  Use a Fee-Only planner for financial planning decisions, it takes away the conflict of interest.

    At CG Financial Consulting we take a look at your investments, insurance and liabilities, and make a comprehensive financial plan to meet your goals and what you want to achieve. There are no yearly fees or percentages that some planners charge. We charge by the hour or by the plan, there is never a conflict of interest.