401(k) & IRA Rollover Guidance for Minnesota & Wisconsin Retirees & Professionals

We help individuals across Minnesota and western Wisconsin make smart decisions about their retirement accounts when changing jobs or retiring. Whether you're rolling over a 401(k), consolidating multiple IRAs, or deciding what to do with an old employer plan, we guide you through the process with a clear focus on taxes, fees, and your long-term goals.

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How We Help You Navigate Rollovers

We Clarify Your Options

There's no one right move. We help you understand the pros & cons of leaving money in a 401(k), rolling it into an IRA, or transferring between plans.


We Manage the Rollover Process

From paperwork to account setup, we handle the details-so you can avoid unnecessary taxes, penalties, or mistakes that could impact your future income.


We Align Your Investment Strategy

Once the funds are rolled over, we invest them according to your broader financial plan. Every decision is built around your risk tolerance and retirement timeline.


We Monitor & Review Your Accounts

After the rollover, you'll have full visibility through our client portal and regular reviews to make sure everything stays on track.

What's Included in Our Rollover Services

01

401(k) to IRA rollover support

02

Retirement plan consolidation

03

Tax-efficient transfer guidance

04

Investment strategy after rollover

05

Risk & fee analysis

06

Secure client portal access

Who We Serve

We work with clients across Red Wing, Cannon Falls, Hastings, and nearby Wisconsin communities like Prescott and Ellsworth who are changing jobs, retiring soon, or simplifying their finances. If you have one or more retirement accounts and want help deciding what to do next, we're here to make it clear.

Common Rollover Questions

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  • Do I have to roll over my 401(k) when I leave a job?

    No-but it may be a smart move. We'll help you weigh your options and show you how to avoid unnecessary fees or tax issues.

  • Will I pay taxes when I roll over a retirement account?

    Not if it's done properly. We guide you through a direct rollover to avoid taxable distributions or penalties.

  • Can I combine multiple 401(k)s into one account?

    Yes. Consolidating accounts can make management easier and often reduce fees. We'll help make sure it's done right.

  • What if I already started taking withdrawals?

    We'll look at how your rollover impacts required minimum distributions (RMDs) and make sure your income plan stays steady.

  • How do I invest rollover funds?

    We build a strategy that reflects your time horizon and risk tolerance-whether you're retiring next year or in 20 years.

Let's Talk About Your Retirement Accounts

If you've left a job, retired, or just have too many accounts to manage, we can help you roll over your savings with confidence and a clear plan.