Job Loss & Career Transition
Recently Laid Off? Let's Protect What You've Built.
Losing a job is stressful. Losing your retirement savings because of it doesn't have to follow. A layoff opens a narrow window of critical financial decisions -- most people make them without guidance and pay for it for years.
401(k) Rollover: Eligible 401(k) funds may be rolled into an IRA or another eligible employer plan that accepts rollovers. Tax treatment depends on the account types and transaction. Cash withdrawals may incur income tax and an additional early-distribution tax unless an exception applies. IUL is life insurance, not a retirement account or an eligible tax-free rollover destination.
- 401(k) options -- keeping funds in your plan or an eligible rollover evaluated for your situation
- Indexed Universal Life (IUL) -- separate life insurance planning based on coverage needs and affordability
- Fixed Indexed Annuity (FIA) -- guaranteed income with market-linked upside
- COBRA vs. marketplace health coverage analysis
- Emergency income bridge and cash flow restructuring
- Long-term financial plan rebuild from your new starting point
