401(k) 403(b) Answers

When should I rollover my 401(k)/403(b)?

There are 3 main reason why you would want to rollover your 401(k):

1. You’re no longer working for your employer.
2. You’re over 59 1/2 years old.
3. You’re retired.

Understanding what options are available for your rollover is the key to having a successful retirement income plan.

Am I paying fees for my 401(k)/403(b)?

It depends on how your money is allocated and who your custodian is. Many employees think that the employer is paying for all the fees. We can find out how much you’re paying on your 401(k) by running a fee-analysis. Click here to set up a time to go over your 401(k) or 403(b) fees.

Should I take a loan on my 401(k)/403(b)?

It depends on your situation. You would want to figure out what interest rate you’re going to be charged, how long you have in order to pay it back, and if it’s worth putting your retirement income in jeopardy. Remember, your 401(k) is for your retirement income, not for your emergency needs. There are many stipulations when it comes to this decision. If you need help on this, call (310) 824-1000 or click here to set up a time to go over your specific situation.


Most people don’t understand their 401(k). They think that if they automatically have a 401(k), they’re fully set for retirement. Nothing is further from the truth. For example, 2008 taught many 401(k)
owners that they should’ve been really watching over their nest eggs. In order for you to have a successful retirement, you need to understand all the elements of your 401(k) and if it’s suited to your risk level. You also need to understand the fees that you are paying. If you would like to understand your 401(k) or 403(b) more, call (310) 824-1000 or click here to set up a time to go over your 401(k) or 403(b).

If you have a specific question that wasn’t answered above, feel free to give us a call at (310) 824-1000 and we’ll help you get the answer you’re looking for.