401(k) and IRA rollover services for Texas retirees
We make rollovers simple and tax focused by comparing your options, coordinating a direct transfer, and reinvesting assets into a cohesive portfolio so old workplace plans work toward your retirement goals in Texas.
Why consider a rollover
Clarity when you change jobs or retire
Leaving an employer or entering retirement creates a decision point for your 401(k). Wealth Solutions helps you evaluate whether to move assets to an IRA for broader investment choices, simpler statements, coordinated RMDs, and a portfolio aligned with your goals in Austin, The Woodlands, Houston, Dallas, San Antonio, and Corpus Christi. When a rollover is the best fit, we guide each step and keep taxes out of the way with a direct transfer. Learn how this integrates with retirement income planning and ongoing investment management so every account pulls in the same direction.
Active management vs. passive
Why we choose active oversight
Index funds have a place, but retirees in Texas often benefit from active decisions that balance income needs with risk. We don’t chase every market move; we make informed adjustments to manage drawdowns and capture opportunity. This hands-on approach is led by Richard Blair and reflected in our proprietary funds as well as individual securities where appropriate.
From paperwork to portfolio in one plan
How the rollover works
Review your accounts
We inventory plans and balances, including any 401(k), 403(b), SIMPLE, or governmental 457 assets, plus employer stock considerations.
Compare options
Keep funds in the old plan, roll to a new employer plan, or move to an IRA. We outline costs, creditor protections, and flexibility.
Choose IRA and investments
If an IRA is best, we set up the account and design an allocation that fits your broader plan.
Handle the paperwork
We coordinate a trustee-to-trustee transfer to avoid withholding and the 60-day rule.
Reinvest and align
Once assets arrive, we implement the strategy and connect it to your household plan in your client portal.
Tax Considerations
Keep it tax-free and mistake-free
Direct rollovers are tax-free. Taking a check can trigger 20 percent withholding and strict timelines, so we help you avoid that route. If you are evaluating a Roth conversion, we model the impact across brackets and Medicare IRMAA so timing is thoughtful. For broader coordination, see tax planning for how withdrawals and conversions fit into your annual strategy.
Make the move at the right time
When to roll over
Many clients act at retirement or after age 59½ if their plan allows in-service rollovers. We also examine special cases like employer stock and the potential for NUA treatment, weighing benefits against simplicity. Consolidation can reduce confusion and help you track progress month to month.
Fewer accounts, better coordination
Why consolidation helps
It is common to have several old 401(k)s scattered across past employers in Round Rock, Sugar Land, or Plano. Combining them can lower fees, improve allocation, and make RMDs easier. We organize transfers, verify cost basis where needed, and keep you informed until everything is in place.
Frequently Asked Questions
Answers for common rollover decisions
Is there any cost or penalty to roll over my 401(k)?
A direct rollover avoids tax and penalty. We manage the process so withholding and 60-day pitfalls do not get in the way.
Should I roll to an IRA or stay in the 401(k)?
It depends on plan quality and needs. We compare costs, features, and flexibility so you choose confidently.
Can I roll to a Roth IRA?
Yes, as a taxable conversion. We may use partial conversions over several years to manage brackets.