Fee-only financial advisors for IRA rollover strategy.
The IRA rollover moment is where fee-only advisors most cleanly add value. Pre-rollover: compare leaving vs rolling, consider NUA for employer stock, check backdoor Roth implications (pro-rata rule). During: trustee-to-trustee vs 60-day rollover (the latter has 20% withholding trap). Post-rollover: asset location, Roth conversion planning, benefici
Situations we handle
- Job change with $1.2M 401(k) — rollover strategy?
- My old 401(k) has NUA-eligible employer stock — do I split the rollover?
- Pro-rata rule — will rolling pre-tax funds break my backdoor Roth?
- 60-day rollover vs trustee-to-trustee — what's the right path?
- Consolidate multiple old 401(k)s into one IRA?
- What investment mix after rollover?
Why a specialist. This niche requires specific knowledge that generalist advisors don't have.
Tools & guides
IRA Rollover Decision Calculator
Compare the long-term value of leaving funds in a 401(k) vs rolling to a traditional IRA, accounting for fees, fund choice, and tax implications.
IRA Rollover Complete Guide
Detailed framework — rules, tradeoffs, employer- and account-specific nuances, common mistakes.
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