Our Services – IRA & 401(k) Rollovers

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Epstein & White Financial Services

401(k) plans through your employer provide a lot of great benefits. They allow you to save on a pre-tax basis to accumulate your retirement wealth, while achieving deductions for your contributions and tax-deferred growth along the way. However, the downside is that you are forced to choose only from the list of available options inside your plan. This might end up feeling like being inside the Library of Congress, and only being able to choose from one or two bookshelves. If you leave your employer or retire, you now have the ability to take control of your assets and choose from the whole library without creating a taxable event, by doing a 401(k) rollover in an IRA. However, did you also know that you might be able to continue working, continue saving new money into your plan at work, and still take advantage of this rollover process? The law allows workers who have reached 59 ½ to take advantage of this through a process called an “in-service rollover.” While the law permits this, this is still something that is company specific and may or may not be offered.

At Epstein & White, we’re here to help identify and guide you in finding the optimal IRA and 401(k) rollover strategy. Call us today to see if taking advantage of this rollover process is advantageous for you and your retirement dollars.

Epstein & White

Epstein & White Retirement Income Solutions, LLC is a retirement income planning firm serving clients throughout San Diego, Del Mar, and other Southern California communities. As independent financial advisors in San Diego, we have developed our business by reaching out, nurturing and maintaining close, trusting relationships with each of our clients.

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