Get Your 401(k) Rollover Checklist
Changed jobs and not sure what to do with your old 401(k)? This 1-page checklist helps you compare your options—leave it in the plan, roll it to a new employer plan, roll it to an IRA, or cash out—so you can avoid common tax mistakes and make a confident decision based on fees, investment choices, and distribution flexibility.
Designed for job changers and pre-retirees who want clarity before moving a plan.
Get the 1-page PDF
Enter your email and we’ll send the checklist. If you’d like, you can also book a brief Rollover Comparison Review.
What this helps you do
- Understand the 4 options: leave it, roll to a new plan, roll to an IRA, or cash out.
- Compare the “big 5”: fees, investments, services, flexibility, and special rules.
- Avoid common tax errors like withholding surprises and rushed paperwork decisions.
- Consider timing issues: age, penalties, and RMD planning.
Want a second set of eyes?
Schedule a brief Rollover Comparison Review to compare fees, features, and distribution flexibility—so your decision fits your timeline.
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Checklist preview (condensed)
The PDF includes the full printable version + notes.
Step 1 — Confirm rules
- I confirmed my distribution/rollover eligibility and plan rules.
- I checked whether I can stay in the old plan and any minimum balance rules.
- I pulled the plan’s fee disclosure / distribution notice.
Step 2 — Compare the “big 5”
- Investment options and simplicity
- Total fees (plan vs. IRA/new plan)
- Services I want (guidance, managed support, planning)
- Distribution flexibility (withdrawal options)
- Loans/special plan rules (if relevant)
Step 3 — Avoid tax mistakes
- I’ll use a direct rollover when possible.
- I understand indirect rollover withholding & timing risk.
- I won’t “wing it” with rollover frequency rules.
Step 4 — Timing & income impact
- I considered age-based penalty rules and exceptions.
- I considered RMD timing and workplace plan rules.
- I wrote down my “why” (simplicity, guidance, consolidation).
Disclosure: This checklist is educational and informational only and is not intended as tax, legal, ERISA, or investment advice.
(Insert your LPL-approved disclosure block here verbatim.)