Should you roll over, stay put, or convert to a Roth? Answer eight questions and get a clear recommendation based on your situation — not a sales pitch.
This tool walks you through the key factors that matter in a 401(k) rollover decision: your employment situation, plan quality, tax strategy preferences, special assets like company stock, creditor protection needs, and early access requirements. Based on your answers, it recommends one of five paths and explains the reasoning.
There is no single right answer for everyone. Someone who needs creditor protection and Rule of 55 access should keep their 401(k). Someone with a high-fee plan who wants more investment choices should roll to an IRA. Someone in a low tax bracket now who expects higher rates later should consider a Roth conversion. The point is to match your facts to the right strategy.
This is a general decision framework, not personalized advice. It does not account for your full tax picture, other retirement accounts, state-specific creditor laws, pension interactions, or Social Security timing. Those factors can change the answer. Use this as a starting point, then validate the recommendation with a qualified financial advisor or tax professional.
Take the free Retire Ready Score to see where your plan stands, then talk to an advisor if you want help.
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