Qualified Rollovers
Move Retirement Assets Without Costly Tax Mistakes
Rolling over a 401(k), 403(b), pension, or TSP account seems simple — until taxes, penalties, lost protections, and missed opportunities show up later.
A qualified rollover done correctly helps ensure every dollar moves intentionally, tax-efficiently, and in alignment with your broader retirement and income strategy.
Why Qualified Rollovers Matter
Old employer plans often sit untouched for years — not because they’re optimal, but because no one explains the full range of rollover options.
A well-planned rollover can help you:
- Avoid unnecessary taxes and IRS penalties
- Preserve special plan benefits and creditor protections
- Improve investment flexibility and cost efficiency
- Coordinate rollovers with retirement income timing
- Create a smoother transition into retirement or semi-retirement
The wrong move — or the wrong timing — can permanently limit your options.
Our Qualified Rollover Planning Approach
We treat rollovers as a strategic financial event, not a one-time transfer.
Our rollover planning process focuses on:
- Correct rollover execution to avoid taxable distributions
- Timing strategies to prevent early withdrawal penalties
- Evaluation of plan vs. IRA advantages, including fees, investment choices, and protections
- Coordination with tax planning, Roth strategies, and retirement income needs
- Special handling for inherited and beneficiary accounts
Every rollover decision fits into a bigger picture — not a checkbox.
Who Qualified Rollover Planning Is Especially Helpful For
Medical & Dental Practice Owners
Coordinate plan rollovers with practice transitions or sales, avoiding early withdrawal penalties and unnecessary tax exposure.
Pre-Retirees & Early Retirees
Design rollovers that support “bridge income” before Social Security and Medicare begin.
High-Income Earners
Evaluate backdoor and mega backdoor Roth opportunities while avoiding rollover mistakes that could disqualify them.
Inherited IRA Beneficiaries
Navigate complex non-spouse rules and optimize withdrawals under the 10-year distribution framework.
High-Net-Worth Families
Consolidate multiple retirement accounts for simplicity, control, and long-term efficiency.
Questions Worth Asking Before You Roll Anything Over
- Do you have old 401(k), 403(b), 457, or TSP accounts sitting at previous employers?
- Have you compared fees, investment options, and legal protections between your plan and an IRA?
- Are you retiring before 65 — and do you have a plan to create income before Social Security starts?
- Could a rollover impact future Roth strategies or tax planning opportunities?
- Is this rollover part of a coordinated retirement income plan, or just a paperwork event?
If these questions haven’t been addressed, the rollover probably isn’t optimized.
One Rollover. Done Right. For the Long Term.
Qualified rollovers aren’t about moving money — they’re about protecting it, positioning it, and making it work harder for your retirement goals.
A clear strategy helps avoid mistakes today while opening doors for smarter tax and income decisions tomorrow.
Get Clarity on Your Rollover Options
We’ll help you understand where your retirement assets should go — and why — so every dollar lands in the right place.