05/14/2026
A Retirement Decision Many People Overlook
If you’ve recently changed jobs, retired, or plan to retire soon, there’s a good chance you have a 401(k) or retirement plan sitting with a former employer.
Most people don’t realize this, but doing nothing with an old retirement account is still a decision and may not be the best one.
A rollover may help you:
• Consolidate multiple retirement accounts
• Expand your investment choices
• Gain more personalized guidance
• Coordinate your retirement strategy in one place
The reality is that many employer plans were designed for accumulation not income, tax efficiency, or long term retirement planning. That’s where strategic planning comes in.
Our role is simple: to educate and help you evaluate your options including staying put, rolling over, or other alternatives so you can make an informed decision aligned with your long term goals.
No pressure. No obligation. Just clarity.
Ameriprise Financial and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
Be sure you understand the potential benefits and risks of an IRA rollover or transfer before implementing. As with any decision that has tax implications, you should consult with your tax adviser prior to implementing an IRA rollover or transfer.
These materials are intended to be educational in nature and do not establish a fiduciary relationship. Neither Ameriprise Financial nor its advisors make IRA rollover or transfer recommendations or act as a fiduciary in discussing your IRA rollover or transfer options. Further, the information contained in this document should not be construed as an investment opinion or recommendation by Ameriprise Financial Services, LLC to buy or sell securities or take a specific course of action with respect to your retirement assets.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Securities offered by Ameriprise Financial Services, LLC, Member FINRA and SIPC.
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