Should I always roll over my old 401(k)?

No. Sometimes leaving it makes sense — such as when the plan has strong low-cost funds, offers penalty-free withdrawals starting at 55, or provides stronger creditor protection. We compare before recommending.

Will I owe taxes on a rollover?

A direct rollover from a 401(k) to a traditional IRA is generally not a taxable event. Converting to a Roth IRA is taxable in the year of conversion.

What is NUA and does it apply to me?

Net Unrealized Appreciation is a special tax treatment for highly appreciated employer stock inside a 401(k). It can save significant tax — but only if handled correctly at the time of distribution.

How long does a rollover take?

Usually 2-4 weeks depending on the current custodian. We handle the paperwork and coordinate with both sides.

(602) 753-4244 info@solutionsfirstgroup.com14614 N Kierland Blvd, Suite N330, Scottsdale, AZMon–Thu 9–5 · Fri 9–2 MSTMon–Thu 9a–5p · Fri 9a–2p MST · By appointment

Schedule

401(k) & IRA

Roll it over — or leave it alone? Decide with a clear analysis.

Compare your options for old 401(k), 403(b), and TSP accounts side-by-side before you move a dollar.

Book a no-cost Strategy Session

A Scottsdale financial advisor and retiree client shaking hands in a bright modern office

What's included

A written plan built around your goals — clear, coordinated, and in writing.

Side-by-Side Options Review

We document the pros and cons of each option — leave it, roll it, move it, or cash out — including fees, investment choices, and creditor protection.

Fee & Expense Analysis

Compare the total costs of your current plan against alternatives so you're deciding with real numbers, not marketing copy.

Investment Menu Fit

Review whether your current plan's menu still fits your risk tolerance and retirement timeline.

Tax-Impact Preview

Model any taxable portion, NUA (net unrealized appreciation) opportunities on company stock, and the timing of the rollover.

Our process

Simple, transparent, and never rushed.

01
Discovery Call
A brief conversation to understand your goals, timeline, and current situation.
02
Strategy Session
A no-cost 45-minute review with Joe covering income, taxes, protection, and legacy gaps.
03
Written Plan
You receive a clear, written roadmap outlining recommendations, trade-offs, and next steps.
04
Implementation & Reviews
We help implement the plan and revisit it as life, markets, and tax law change.

Ready to see how this looks for your household?

Your Strategy Session is at no cost and no obligation. Bring your questions — we'll bring the analysis.

Schedule Now

Frequently asked

Answers to what people ask us most.

What you can expect

Straight answers, in writing, without pressure.

A 45-minute no-cost Strategy Session with Joe Donti
Clear written recommendations — no heavy product pitch
Coordination with your CPA and attorney where relevant
By-appointment scheduling — never a call-center handoff

Plan your next step

Independent retirement income, tax, and legacy planning — in person by appointment or by secure video.

Request a Retirement Plan Review

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