Rolling over your 401(k) to a Guideline IRA account after leaving your company

Once you leave your company, you can rollover your funds to Guideline IRA. (1) There’s no fee to set up a Guideline IRA or distribution fee to rollover your 401(k) funds. However there are monthly maintenance fees to consider:

-Account balances under $10,000: $2/ month

-Account balances over $10,000: $5/ month

You have more individual control over your distributions from your Guideline IRA, but like all IRAs, you’ll have limited bankruptcy and creditor protection, as opposed to the full protection you get with a 401(k). To review other 401(k) account options see the article “What happens to my Guideline 401(k) account if I leave the company?


(1) When deciding whether to keep your Guideline account open long-term or transferring your funds to another account, you should consider all associated fees. We recommend reviewing Guideline’s fee disclosure here and comparing against the fees charged by other providers to determine whether keeping your Guideline account is the right choice for you.

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