Why rolling over your 401(k) to an IRA is a good choice

When you leave a job, you don’t have to leave your employer-sponsored 401(k) retirement plan behind. For most people rolling over a 401(k) into an IRA is a great option. When you roll over to an IRA, you can maintain tax-advantaged status of your retirement savings when you follow the IRA rules.

Product Benefits

A coin being deposited into a piggybank.

Save money for retirement

Withdrawals are penalty-free once IRA owner reaches 59 1/2

Cut your tax bill

Maintain tax-deferred status of your retirement savings

A hand collecting money.

Deposit products held in IRAs offer:

Guaranteed return on principal with automatic renewal at maturity; Federally insured up to $250,000

Investment products can be held in an IRA

Talk to a CFS Financial Advisor available through CUSO Financial Services, L.P. ("CFS") about your options2

IRA Calculator

Frequently Asked Questions

We’ll help you roll over your 401(k) into a IRA

We want to help you with your Rollover IRA. Schedule a complimentary meeting with any of our experienced CUSO Financial Services, L.P. ("CFS") financial advisors. We’ll talk with you about your goals and interests, find out where you are financially, and get you started on a path that works for you.

How much do I need to retire?

To learn more, watch this video from Jane Krueger, CFP, Financial Advisor, CUSO Financial Services, L.P. at Patelco Credit Union.

Are you Retirement Ready

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Roll over your 401(k) and take greater control of your retirement savings
A traditional IRA can be a great way to save for retirement since potential earnings grow tax deferred, and your contributions may be tax deductible.

1 Consult tax advisor about IRA tax advantages.

2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.