For job-changers & adults 60+ with retirement accounts
Employer-sponsored plans are built for people who are still working — still decades from retirement. Once you've changed jobs or crossed 60, the rules change. Most people don't find out until the damage is done.
Which situation describes you?
No sales calls · No obligation · Takes about 3 minutes
The real problem
It's still fully exposed to market swings
Employer 401(k)s are typically invested in growth-oriented funds. That made sense while you were decades from retirement. Now that you've left — or are closer to needing that money — the exposure profile may no longer match your situation.
You've likely lost real visibility into it
Former employers can change plan administrators, merge plans, or change investment options without meaningful notice to past employees. The account you set up years ago may look very different today — and you'd have no reason to know.
You may have more options than you realize
Rolling an old 401(k) into an IRA — or into a protected structure — is often simpler than people expect. But without comparing all the options side by side, it's impossible to know what actually makes sense for your timeline and goals.
Your plan was built for accumulation — not income
Most employer 401(k)s are designed to grow money over decades. They are not structured to protect or distribute it. That mismatch matters a lot more once you're within 5–10 years of needing the money.
A bad market year early in retirement can be hard to recover from
If the market drops significantly in your first few years of drawing income, you sell shares at lower prices to cover expenses — and those shares aren't there to recover when the market bounces back. This is called sequence-of-returns risk, and it's the most underappreciated threat to retirement income.
Most people don't know what protecting their savings actually costs
The common assumption is that protecting your savings means giving up growth. That's often not true — but without comparing options side by side, there's no way to know what you'd actually be trading off. That's exactly what the comparison shows you.
Is this for me?
You don't need to be retired — or even close to retirement — to benefit from knowing what your options are. The earlier you understand the landscape, the more choices you have.
What you receive
Every realistic path for your account — leave it, roll it, protect it — with the tradeoffs explained clearly. Not a sales deck. A side-by-side comparison.
We show exactly how much of your current balance is at market risk — and what a protected structure would look like next to it.
If a rollover makes sense for your situation, we walk you through exactly how it works — including tax implications, timing, and what to watch out for.
If guaranteed monthly income is something you're considering, we show what that looks like based on your current balance and age.
We run your situation against every A-rated carrier we work with. You see the most competitive options available to you — not just what one company offers.
Why there's no risk in looking
We don't charge you anything. Ever. Our compensation comes from the carriers we place business with — only if you decide to move forward, and only on the option you choose. If you review your comparison and decide to do nothing, that's completely fine. You'll walk away with more clarity than you came with, at zero cost to you.
Not a broker for one company. We compare 25+ A-rated carriers using proprietary technology — so you see the most competitive option for your situation, not just what a single company can offer.
No unsolicited calls. We built this process for people who've been burned by aggressive salespeople. You control the pace. We reach out only when you ask us to.
You own the information. Your comparison report is yours to keep — share it with a spouse, an existing advisor, or anyone else. We have no claim on what you do with it.
No pressure, no deadline. There's no expiration on what you learn. You decide if and when to take any next step. This is information, not an offer that expires.
What others in your situation have said
"I left a 401(k) at my old company when I changed jobs eight years ago. I kept meaning to deal with it. The comparison took three minutes and showed me options I didn't know I had."
— David R., 54, changed careers in 2019"I had no idea my old 403(b) was still in the same funds I picked in 2011. Nobody told me. Getting a comparison was the wake-up call I needed — and it was completely free."
— Linda M., 61, former school administrator"They compared 14 carriers against my rollover situation and showed me what each option would actually look like. My previous advisor only offered me two choices."
— Tom K., 58, engineer"I was nervous the rollover process would be complicated. They walked me through every step. It wasn't complicated at all — I just didn't know what I was doing before."
— Sarah J., 49, left a tech company in 2022"I kept putting this off because I expected a sales pitch. It wasn't. They showed me three options I didn't know I had and let me decide on my own timeline."
— Robert T., 64, retired teacher"At 67, I wanted to make sure my money would last. The comparison showed me exactly what was at risk and what a protected structure would look like. I finally felt informed."
— Carol M., 67, federal retiree"My financial advisor had me in the same allocation I had at 45. I'm 63. The comparison showed me how out of sync that was. It was eye-opening."
— Patricia H., 63, healthcare professional"I wasn't sure if protecting my savings meant giving up growth. The comparison showed me the actual tradeoffs — clearly, in plain English. I could finally make a real decision."
— James K., 66, small business ownerHonest answers
Is rolling over an old 401(k) always the right move?
Not necessarily. It depends on your plan's fees, investment options, creditor protections, and whether you're still working somewhere you might want to consolidate into. The comparison shows you the actual tradeoffs — we don't assume a rollover is always better.
Will a rollover trigger taxes?
A direct rollover from a 401(k) to an IRA is typically a non-taxable event when done correctly. We walk through the mechanics clearly and always recommend consulting your tax advisor before making a final decision.
I'm still working. Can I look at a 401(k) I'm still contributing to?
Yes. In some cases, in-service rollovers are available for active participants over age 59½. We'll tell you clearly whether that applies to your specific plan — no assumptions made.
What if I already have a financial advisor?
A second opinion is always worth having — especially when it costs nothing. Many people find the comparison reveals options their current advisor didn't present, either because of limited carrier access or a different business model.
Is this actually free? What's the catch?
It's genuinely free to you. We're compensated by the insurance carriers we place business with — only if you move forward with an option, and only then. Looking costs you nothing. We'd rather earn your trust through a transparent comparison than pressure you into anything.
How long does this take?
The intake takes about 3 minutes. You'll receive your comparison report within one business day. There's no countdown, no deadline, and no expiration on what you learn.
Ready to see your options?
A free, personalized comparison of every realistic option — whether you have an old 401(k) at a former employer, you're approaching retirement, or both. No sales pitch, no obligation, no cost. Over 100,000 families have used this to make a clearer decision. It takes about 3 minutes to get started.
No calls unless you request one · No obligation · No cost