Life Events: Changing Jobs

Life happens. Will you be ready?
Throughout your investing life, you're going to experience life events — some planned, some not — that will affect your finances.
We're here to help you prepare for those critical times of financial change.

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:
Avoid a lapse in health insurance coverage
Check the details of your flexible spending account (FSA) with your current employer
Manage your retirement accounts and employer-sponsored life and disability coverage

Preferred Rewards

Enjoy real benefits and rewards on your Merrill Edge® investing and Bank of America® banking accounts. And as your balances grow, so do your benefits.

Read article about Using a rollover IRA to
consolidate multiple
retirement accounts

Changing jobs? Don't forget your retirement savings!

Understanding your choices is essential when choosing what to do with your old retirement account.

401(k) Rollover Calculator

See the potential effect of different 401(k) rollover choices on your current and future retirement assets.1
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Any information presented about tax considerations affecting your financial transactions or arrangements is not intended as tax advice and cannot be relied on to avoid any tax penalties. Neither Merrill Edge® nor its Financial Solutions Advisors provide tax, accounting or legal advice. You should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with your personal professional advisor.

1 You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to 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 different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit merrilledge.com/retirement/rollover-ira or call a Merrill Edge® rollover specialist at 888.637.3343 for more information about your choices.

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