Why You Should Rollover Your 401k Into an IRA

1
Why You Should Rollover Your 401k Into an IRA?

• Richard U. Guntner, MBA, LUTCF
• Registered Representative
• Woodstock Financial Group, Inc.
• 117 Towne Lake Parkway, Suite 200
• Woodstock, GA 30188
• Member FINRA, SIPC
• Phone [phone] /
  www.woodstockfg.com / rguntner_at_woodstockfg.com

2
Avoid Losing Track of Your Investments or Your
Employer Losing Track of You!

• Over the course of your career you may change
  jobs several times. You may move several times
  and your employer may also move to a new
  location. Some people lose track of their
  paperwork and forget that they had accumulated
  some retirement money with one of their previous
  employers. If that employer loses track of your
  address you may never see that money again!
• When you rollover your retirement funds after
  leaving your employer, especially when you
  consolidate your funds into one rollover account,
  you reduce the risk of misplacing or losing track
  of your money.

3
Build a More Diversified Portfolio.

• With your own IRA rollover account, you get to
  select the investment company and the investment
  choices you want.
• Your previous employers retirement plan may
  limit or prevent you from making the investment
  choices that you want. If the investment choices
  you make in your 401k plans underperform, you
  will have less money for your retirement.
• Although there is no guarantee that your
  investment choices will perform any better in
  your Rollover IRA, your rollover will give you
  more control on what, where and how your money is
  invested.

4
Control The Access To Your Funds.

• Some plans do not allow a participant to withdraw
  only a portion of their funds. Also loans from
  the plan may no longer be available to you after
  you leave your employer. You may have to pay
  taxes and penalties on all of your retirement
  money even though you may only need part of it.
• A rollover IRA gives you the flexibility to take
  out , if needed, a small part of all of your
  money. You may be subject to taxes and penalties
  but only on the amount that you pull out.
• You may even take money out without penalties for
  qualified distributions such as education
  expenses, first-time homebuyer expenses (up to
  10,000), medical expenses, death, and disability.

5
Distressed Companies May Spell Trouble.

• Large and small companies fall on hard times.
  When they do, your retirement funds may be in
  jeopardy. There have been cases where employees
  have lost money because they cant get their
  retirement funds due to a bankrupt or corrupt
  former employer.
• However, once your funds are rolled over, you
  wont have to be concerned about what happens to
  your former employer.

6
Reduce The Tax Burden On Your Beneficiaries

• Upon your death, your spouse has the option to
  withdraw your retirement funds and roll them over
  to a tax-deferred IRA rollover account. A
  non-spousal beneficiary (i.e. children) would be
  required to pay taxes on any payout of your
  retirement funds.
• Some beneficiaries may not need these funds right
  away and would rather delay receiving a payout in
  order to avoid the income taxes and to take
  advantage of the continued tax-deferred buildup
  inside the plan. (ask me about a Stretch IRA)
• Your non-spousal beneficiary may be stuck if the
  plan forces them to take the account balance.

7
Your Previous Employer May Get Bought Out or
Merge With Another Company.

• The rules governing your retirement plan are
  largely decided by your employer. These rules may
  very well change when a company is merged or
  sold. These changes may work to your
  disadvantage.
• By rolling over your funds now you wont have to
  be concerned about what happens to your former
  employer.

8
The Value of Having Me as Your Financial Advisor.

• Professional and unbiased advise.
• Over 35 years of financial advisor experience.
• I have the time and the expertise to help you
  customize your investment strategy.
• Periodic reporting and performance reviews.
• Help is just a phone call away.

9
Disclosures.

• This report is for informational purposes only
  and is not intended as an offer or solicitation
  with respect to the purchase or sale of any
  security.
• Past performance is not a guarantee of future
  results.
• Working with a financial advisor will not
  guarantee any improvement in investment results.
• Diversification does not insure against loss.
• Mutual funds, Unit Investment Trust and Variable
  life insurance and annuities are all
• sold by prospectus, which contains more complete
  information about the underlying investments.
• Richard U. Guntner is a registered representative
  and offers investment products through
  Woodstock Financial Group, Inc.
  
  
  117 Towne Lake Parkway, Suite
  200
  
  Woodstock, GA 30188
  
  
  
  Member FINRA, SIPC
  
  
  Phone [phone]
  
  
  www.woodstockfg.com /
  rguntner_at_woodstockfg.com
• Investment products are not insured by the FDIC,
  have no bank guarantees and may lose value.