You spent decades building it. One market drop shouldn’t take it away.
Near retirement, preservation matters more than growth. Markets recover — but your timeline can’t always wait. There are ways to reposition an old 401(k) or IRA so the next downturn can’t erase what took you a career to build — and turn it into income you can’t outlive.
In your 30s, growth is everything. Near retirement, keeping what you have is everything.
When you’re young, a market crash is a sale — you have decades to recover. But the closer you get to needing that money, the more a bad year can wreck the plan. A 30% drop the year before you retire isn’t a dip — it can be years of your life. That’s the risk most people never reposition for.
Rolling an old 401(k) or IRA into the right vehicle can lock in principal protection with a zero floor — meaning credited interest is never negative — while still giving you upside potential. Same money, dramatically less downside for many families near retirement.
Three jobs your retirement money can do at once.
Guarantees and income options are backed by the claims-paying ability of the issuing insurer and vary by product and state. This is educational only — your real numbers are run on a quick call.
Cory and his boys — Boca Raton, FL
Straight answers about your money — including “leave it where it is.”
I’m a licensed insurance professional and a widower raising two boys on my own. I know what it means when a family’s security rests on decisions made right. So I’ll run your real numbers, show you the honest tradeoffs, and tell you plainly if rolling over isn’t in your interest. No pressure, ever.
If your old 401(k) is already doing its job, I’ll tell you to keep it. If there’s a gap between the risk you’re carrying and the time you have left, you’ll see it clearly — and you’ll decide.
Same money. Very different exposure.
Old 401(k), left as-is
- Fully exposed to the next market crash
- Limited or forgotten investment options
- No guaranteed income in retirement
- Easy to lose track of after a job change
Repositioned for preservation
- Zero-floor protection on credited interest
- Upside potential without full downside
- Option for income you can’t outlive
- One clear plan, aligned to your timeline
Rollovers, answered plainly.
Will rolling over cost me taxes?
A properly executed rollover from a 401(k) or IRA into another qualified account is generally not a taxable event when done as a direct transfer. We walk through the right way to do it so you avoid unnecessary taxes — and if a rollover would trigger a tax problem for you, I’ll tell you.
Do I lose access to my money?
Not the way most people fear. Many options allow penalty-free access to a portion each year, and income options are built to pay you for life. We’ll match the structure to how and when you’ll actually need the money.
Is this the stock market?
No. These strategies can be linked to an index for upside potential, but your principal isn’t invested directly in the market — which is how the zero floor protects you in down years.
What if I already have a good 401(k)?
Then keep it. I’ll review what you have honestly. This is only worth doing if it closes a real gap between your risk and your timeline.
See what your old 401(k) could become — protected.
Your real numbers. Honest answers — including “leave it where it is” when that’s the truth. Pick a time below.