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When you change jobs or retire, there are four things you can generally do with the assets in any employer-sponsored retirement plan:

• Leave the money where it is.
• Take the cash (and pay income taxes and perhaps an additional 10% federal tax if you are younger than age 59½).
• Transfer the money to another employer plan (if the new plan allows).
• Roll the money over into an IRA.

Rolling over from one qualified plan to another qualified plan allows your money to continue growing, tax-deferred, until you receive distributions in retirement. We can help you determine if a rollover is the right move for you.