At Rollover Help Center, our goal is to provide clear guidance during every step of the rollover process and beyond—from the time you decide to roll over until you open your new account and make the investment decisions that are appropriate for your goals and comfort level. We’ll provide guidance as you prepare to transition from your present position to a new opportunity or directly into your retirement. We do everything we can to make the rollover process easier. We can even handle most of the paperwork.

If you have an investment goal, we want to help you meet it.  Whether you are looking to roll over a 401(k), invest for college, or plan for retirement, you can turn to us. Our certified financial planners will walk you step by step through the planning and investment process.

We also offer an array of resources, including Personal Guides that can help you make confident choices about your future.

When leaving a company, you have several ways to handle your retirement plan assets: cash out, leave the account where it is, join your new employer's plan, or roll over the assets.

Take the money in a distribution and running is by far the worst option. A 1995 Labor Dept. study found that 68% of people over age 40 and 84% of those under 40 fail to roll their retirement funds into another tax-deferred vehicle when they change jobs. The temptation to get your hands on a big wad of cash is understandable, but the taxes and penalties on early withdrawals should be enough to kill any desire. If you take a lump-sum distribution and are under age 59 1/2, the Internal Revenue Service will withhold 20% in anticipation of the income tax you'll have to pay--plus a 10% penalty on the proceeds.

Well before leaving your old job, you should find out what your options are from a qualified professional who is preferably a Certified Financial Planner (CFP).

A well-designed Rollover strategy offers a broad range of investments--from a conservative money-market fund to a menu of REITS, equities and bonds. There are many types of investment accounts to choose from and moving in the correct direction from the start is essential to a successful transition of your retirement assets.

Securities Offered Through North Ridge Securities Corp., Members FINRA / SIPC

1895 Walt Whitman Road  Melville  NY 11747-3031  631-420-4242