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Rollover Evaluator
 

Should I roll over to an IRA?

Rollover evaluator

If you have multiple retirement savings accounts held in more than one place as a result of job changes or other personal circumstances, the rollover evaluator will help educate you to understand the pros and cons of keeping your retirement savings in an employer-sponsored plan such as a 401(k) or 403(b) versus rolling it over into an IRA.

Since retirement savings rules change based on your age, let's start there. What is your date of birth?

Here's your summary

Based on your input, here are the options to consider along with a summary of your answers. Contact an Ameriprise financial advisor to learn more about your options and what type of approach will work best for your needs.

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Pros

Cons

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Here's your summary

Based on your input, here are the options to consider along with a summary of your answers. Contact an Ameriprise financial advisor to learn more about your options and what type of approach will work best for your needs.

Your options

Summary of your results

Be sure to discuss the risks, in addition to the potential benefits, of an IRA rollover or transfer with clients before implementing. As with any decision that has tax implications, you should recommend that clients consult with their tax advisors prior to implementing an IRA rollover or transfer.

Related Information

Understanding Roth IRA conversions

Net unrealized appreciation (NUA) tax strategies

Retirement tools, calculators, and milestones

1 Ameriprise Financial Confident Retirement Client Survey, December 2014
The Confident Retirement approach is not a guarantee of future financial results.
The initial consultation provides an overview of financial planning concepts. You will not receive written analysis and/or recommendations.
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.
Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.
Ameriprise Financial Services, Inc. Member FINRA and SIPC

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