IRA & 401(k) Rollover Planning for a Smoother Retirement

Make the most of your retirement accounts

Many people in Austin, Buda, and Kyle collect multiple 401(k), 403(b), and IRA accounts over time. Wealth Strategies helps you evaluate options, consolidate where it makes sense, and align everything with your broader retirement planning—so tracking progress is easier and decisions are clearer.

Choose the path that fits your goals

Roll into an IRA

Gain broader investment choices, simpler oversight, and coordinated rebalancing—without tax withholding issues when done as a direct transfer.

Roll into a new 401(k)

If your new employer plan is strong and low-cost, it can keep savings in one place and preserve certain protections.

Leave it in the former 401(k)

Sometimes fine if the lineup and fees are competitive; we’ll help you compare.

Cash out (last resort)

Usually triggers taxes and potential penalties. We’ll show the long-term impact so you can avoid costly missteps. For deeper support, explore our 401(k) plan services to ensure rollovers pair well with workplace benefits.

Our Rollover Process

Review, paperwork, and reinvestment—done

Review & Recommendations


Bring your account statements and any questions, and we’ll walk through them together. Our review process highlights what’s working, what needs adjustment, and where new opportunities may exist.

Paperwork & Coordination


We handle the details of direct transfers with custodians, saving you time and avoiding unnecessary errors. Our team ensures the process is smooth, efficient, and compliant from start to finish.

Reinvest & Rebalance


Once your funds are transferred, we reinvest them according to your plan and adjust allocations as needed. Regular rebalancing keeps your portfolio aligned with your goals, risk tolerance, and market conditions.

A man is sitting at a table holding a glass of wine.

Traditional vs Roth and conversion strategies

We’ll walk through Traditional vs Roth IRA differences, contribution rules, and how your current vs expected future tax rates affect the choice. In some years—career breaks, early retirement, or lower-income periods—targeted tax and estate planning with Roth conversions can improve flexibility and reduce future taxes.

One view, fewer fees, easier RMDs

Pulling multiple accounts into one IRA can streamline management, reduce overlapping funds and costs, and make required minimum distributions simpler after age 73. You’ll have a clear allocation and a single place to monitor progress.

Turn savings into reliable income

We coordinate withdrawal sequencing across taxable, pre-tax, and Roth accounts; plan RMDs; and consider Medicare brackets and Texas tax realities. The goal: steady income that lasts, with as little friction as possible.

Take the Next Step

Get a clean, tax-aware rollover

If you’re ready to consolidate or move an old plan, let’s map out the best option and handle the details for you.