Retirement accounts
Make your old 401(k) work to a considered plan
Left behind at a former employer, a retirement account often sits idle and unwatched. A rollover can bring it under one roof — with clear costs, a wider choice of investments and a plan you actually understand. We walk you through every step.
How a rollover works
Confirm your old plan allows a rollover
Most employer plans do, but some restrict in-progress loans or certain shares. We start by checking with you.
Choose where the money goes
Typically an individual retirement account (IRA) you control, which stays with you from job to job.
Direct or indirect transfer
A direct trustee-to-trustee transfer moves the money without it passing through your hands — usually the cleanest route.
Reinvest with a plan
Once settled, we help you invest the balance in line with your goals, time horizon and tolerance for risk.
Sterling Crest Capital is not a tax adviser or an employer plan administrator. The steps above are general information, not tax or legal advice, and your plan's own rules always take precedence.
What it can give you
Consolidation
Several old employer plans become one account that is easier to track and review.
Control
An IRA typically offers a wider choice of investments than an employer plan.
Portability
The account follows you between jobs instead of being left behind.
Clearer oversight
One statement, one fee schedule and one place to see what you actually hold.
What to weigh carefully
Taxes are involved
Roth and traditional money are taxed differently. Mixing them, or an indirect rollover done incorrectly, can create an avoidable tax bill. We always recommend confirming the tax side with a qualified tax professional.
Fees still apply
No account is free. We explain every cost in writing before anything moves.
Employer benefits may be lost
Some employer plans offer features an IRA does not, such as certain loan provisions or earlier penalty-free access in specific cases.
Investments can lose value
Once reinvested, your balance can go down as well as up. Nothing on this page is a projection of returns.
Rolling over from a workplace plan
We can help you request a rollover from plans held at providers such as:
- Fidelity Investments
- Empower
- Vanguard
- Principal Financial Group
- T. Rowe Price
- Voya Financial
- Charles Schwab
- ADP
- Transamerica
- John Hancock
- Insperity
- Merrill Lynch
Provider names are shown for identification only; we are not affiliated with or endorsed by them.
Enquire about a rollover
Not ready to talk about retirement yet? See our investment services or send a general enquiry.
Submitting an enquiry does not move any funds, open an account or create an obligation. Transfers happen only after a documented agreement between you, us and the institutions involved.
Questions before you enquire?
Our team is happy to talk through the process with no obligation.
Book a consultation