At Ramsier Financial Services, much of our business revolves around company retirement plans and assisting former employees with rolling their assets from a 401(k) to an IRA. Some clients want their IRA invested some want to have a monthly check sent directly to their bank account. We specialize in rollovers and all that comes with it - establishing an IRA, investing the proceeds, taking Required Minimum Distributions, proper naming of beneficiaries etc.
Consider all available options, which include remaining with your current retirement plan, rolling over into a new employer's plan or IRA, or cashing out the account value. When deciding between an employer-sponsored plan and IRA, there may be important differences to consider - such as range of investment options, fees and expenses, availability of services, and distribution rules (including differences in applicable taxes and penalties). Depending on your plan's investment options, in some cases, the investment management fees associated with your plan's investment options may be lower than similar investment options offered outside the plan.