Retirement Asset Education Center

There are many factors to consider before transferring retirement assets from either a qualified retirement plan (“plan” or “QRP”) to an Individual Retirement Account (IRA) and even from IRAs between firms. Before moving retirement assets, be sure you know your options and understand the details of your existing QRP or IRA. Most often, total expenses of an IRA with a financial professional will be higher than QRP costs. It is a good idea to discuss such movements with your tax professional before acting as most rollover decisions are irrevocable. Below are common reasons investors make a change and educational guides regarding common considerations.

• I do not want my investments connected to my previous employer.
• I want the option to make trading decisions.
• I want financial planning services, including a comprehensive review of my financial situation.
• My financial situation has become more complex. I would like help from a Financial Professional to provide advice on an as needed basis.
• I want investment advice tailored to my investment objectives and risk tolerance.
• I want consolidated reporting of my accounts and portfolio holdings.
• I would like my investments to be monitored and managed for me on a discretionary basis.
• I see the value in working with a professional to guide me through financial decisions.
• I would like the flexibility of more investment options and not be limited to what my plan or IRA offers.
• Income Focused Portfolio (e.g. more diverse income generating choices)
• I am interested in Retirement Planning including distribution planning and advice.
• I would like broader options for investment choices.
• I would like access to ongoing Education on markets and investments.
• I need help in balancing three basic concerns – risk, potential return, and income.
• I am looking for access to alternative strategies.
• Interest in Social Security Planning
• Intergenerational wealth management
• Assistant with Asset allocation.
• Lack of knowledge, time or interest to invest on my own

Before moving retirement assets, ensure you have thought through important considerations:

• Learn about your retirement plan distribution options.
• Comparing Your IRA Choices Factsheet.
• Key Considerations Regarding Plan Distributions.

This information is intended to be educational in nature and is not tailored to the investment needs of any specific investor.  As always, before making any decisions about your retirement assets you should consult with your personal tax advisor. XML Financial Group and XML Securities (together “XML”) do not provide legal or tax advice. Tax laws and regulations applicable to these topics are complex and subject to change, which can materially impact investor options and investment results. Therefore , no guarantee can be made that the information herein is accurate, complete, or timely. XML makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information.  Be sure to consider all your available options and the applicable fees and features before moving your retirement assets.