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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
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Choosing a distribution method for your retirement plan when you change jobs or retire can have significant tax implications.
See the potential effect of different 401(k) rollover options on your current and future retirement assets.1
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Important disclosures

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
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 (particularly with reference to employer stock), and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information visit our rollover page or call Merrill at 888.637.3343.