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Retiring, Changing Jobs? We Can Help Manage Your Retirement Funds and Seek Better Returns.

A change of job, termination of employment, or retirement can lead to one of the most important financial decisions of your lifetime: deciding what to do with a lump-sum distribution from your employer-sponsored qualified retirement plan.

Consider the advantages of rolling retirement plan dollars into a Rollover Individual Retirement Account (IRA). A Rollover IRA will:

Retain the benefits of tax deferral that your employer-sponsored retirement savings plan has provided.
Preserve the right to roll your savings into a new employer's plan in the future.
Offer you broad investment flexibility–with a Rollover IRA, you control your money. You are no longer limited solely to your employer's investment options.
Help you avoid significant taxes and penalties–if you take some or all of your savings now, not only do you lose the benefits of tax deferral, you could also substantially erode your savings with a 20% federal income withholding tax and possible 10% early withdrawal penalty.

How does it work?
Rolling your money into a Rollover IRA can be done directly or indirectly. In a direct rollover, the distribution check from your qualified retirement plan is made payable to your new Rollover IRA custodian. The IRS does not consider this action a withdrawal, and you do not incur taxes as a result. In an indirect rollover, the distribution check is made payable to you. You must then put the money into a Rollover IRA or another employer-sponsored qualified plan within 60 days. Because the money is sent right to you, an automatic 20% federal tax withholding is deducted. Many factors affect this difficult decision, and you may have other options. For example, you may be able to leave the money with your current employer's plan or transfer it to a new employer-sponsored retirement plan. Or, you may need a portion or all of your savings now for an emergency situation.

Call an Experienced Financial Consultant
Financial Consultant Jere Jordan, can help you understand the rollover options available to you for your lump-sum distribution. Jere can answer any questions you may have at an individual information session and provide you with:

Information Education–ideas, brochures, and illustrations that can help you understand the benefits of a Rollover IRA.
Rollover Assistance–help in choosing and rolling into the IRA appropriate for your current and future financial needs.
Individual Investment Guidance–one-to-one private investment consultation.

Call Jere Jordan at 800.842.0145, ext. 5436, or email jere.jordan@uvestfinancial.com

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email: info@americaneagle.org
860.568.2020 800.842.0145

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