Changing jobs

Life Events > Changing Jobs
A job transition means considering how you'll handle employer-sponsored benefits like retirement accounts, along with insurance and other perks.
Keep in mind:
Proactively manage your health insurance to avoid a lapse in coverage
Check the details of your flexible spending account (FSA) with your current employer
Manage your retirement accounts
Manage your employer-sponsored life and disability coverage
 
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Changing jobs or retiring? Don't forget your retirement savings!

Choosing a distribution method for your retirement plan when you change jobs or retire can have significant tax implications.
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401(k) Rollover Calculator

See the potential effect of different
401(k) rollover options on your current and future retirement assets.1
Article

Using a rollover IRA to consolidate multiple retirement assets

Learn about the choices you have for your employer-sponsored retirement plan assets.1
Video

Rollover choices

When you leave your job, you have many choices of what to do with your retirement plan assets, each with different consequences.1
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1 You have choices for what to do with your employer sponsored retirement plan. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth, roll over to an employer sponsored plan from a prior employer to an employer sponsored plan at your new employer, take a distribution or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit http://www.merrilledge.com/retirement/rollover-ira. or call a Merrill Edge rollover specialist at 1.888.637.3343 for additional information about your choices.

Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

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