When changing jobs or retiring, leaving your hard-earned money tied to a former employer's retirement plan can limit your options. Employer-sponsored plans often feature restricted investment menus, hidden administrative fees, and complicated rules for taking future distributions.

Moving your funds into an Individual Retirement Account (IRA) allows you to consolidate multiple accounts into a single, easy-to-manage strategy — all without triggering tax penalties or unnecessary withholding.

Located at 611 Packerland Drive in Green Bay, our independent advisors review your existing plan options, weigh the pros and cons of rolling over versus staying put, and execute direct institution-to-institution transfers on your behalf.

When leaving an employer or retiring, you generally have four options: Leave assets in your former employer’s plan; roll assets into a new employer's plan; roll assets into an Individual Retirement Account; cash out the account balance.

Rolling your retirement funds into a personalized IRA opens up strategic capabilities:

• Expanded Investment Options: Transition to a comprehensive universe of individual stocks, bonds, ETFs, real estate investment trusts, and defensive assets.
• Lower Administrative & Plan Fees: Eliminate administrative overhead, recordkeeping fees, and restricted fund expense ratios that silently erode your long-term growth.
• Streamlined Asset Allocation & Oversight: Instead of tracking multiple accounts across former employers, consolidate your savings into one central dashboard for simplified performance and rebalancing.
• Integrated Tax & Distribution Planning: Align your IRA assets directly with your broader retirement cash-flow plan, tactical Roth conversion goals, and Required Minimum Distribution (RMD) strategies.
• Simplified Beneficiary Designations: Ensure your legacy plans are up to date and correctly structured to protect your heirs from unnecessary probate delays or tax burdens.

Plan Review & Options Analysis

Step 1: Account & fee evaluation. We examine your current 401(k) plan documents, fee schedules, and investment options alongside your broader retirement strategy to verify whether a rollover is your best financial move.

Institutional Transfer Setup

Step 2: Direct transfer execution. We handle the paperwork and coordinate directly with your previous plan custodian to initiate a direct, trustee-to-trustee rollover — ensuring zero tax penalties or taxable events.

Portfolio Construction & Ongoing Management

Step 3: Strategic allocation. Once funds arrive in your new IRA, we invest them according to your custom risk profile, tax preferences, and income goals, maintaining regular reviews to keep your plan on track.

A REIT is a security that sells like a stock on the major exchanges and invests in real estate directly, either through properties or mortgages. REITs receive special tax considerations and typically offer investors high yields, as well as a highly liquid method of investing in real estate. There are risks associated with these types of investments and include but are not limited to the following: Typically no secondary market exists for the security listed above. Potential difficulty discerning between routine interest payments and principal repayment. Redemption price of a REIT may be worth more or less than the original price paid. Value of the shares in the trust will fluctuate with the portfolio of underlying real estate. Involves risks such as refinancing in the real estate industry, interest rates, availability of mortgage funds, operating expenses, cost of insurance, lease terminations, potential economic and regulatory changes. This is neither an offer to sell nor a solicitation or an offer to buy the securities described herein. The offering is made only by the Prospectus.

Asset Allocation does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk. Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

Exchange Traded Funds (ETF’s) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. An investment in the Fund involves risk, including possible loss of principal.