IRA & 401(k) Rollover Services in South Carolina

Make the Most of Your Retirement Accounts

What you do next with your 401(k) or IRA can impact your taxes, flexibility and income for decades. Let’s make a plan that works for you.

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Your Options for Retirement Accounts

Leaving a job or retiring? You have several options for your 401(k) or IRA:

  • Leave funds in your old employer’s plan

  • Roll into a new employer plan

  • Rollover to an IRA

  • Cash out (with taxes and penalties)

For many, rolling over to an IRA offers more control, broader investment options and better integration into an income strategy.

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How We Help

At Common Sense Retirement Planning, we guide you through these decisions with clarity and straight talk. We help you:

  • Evaluate the tax impact of each choice

  • Consider future Required Minimum Distributions (RMDs)

  • Integrate with Roth conversion planning

  • Preserve spousal continuity

  • Align with estate and legacy goals

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Frequently Asked Questions

Q: Should I roll over my old 401(k)?

A: In many cases, rolling into an IRA gives you more control and better integration with your income plan.

Q: Are there penalties for cashing out a 401(k)?

A: Yes. Withdrawals before age 59½ are taxed as income and may incur a 10% penalty.

Q: How do IRAs fit into my retirement income plan?

A: They can be a flexible, tax-deferred source of income, especially when coordinated with Roths and annuities.