Should You Rollover Your 401k or 403b Into an IRA in Retirement? If you’re retired and still have…

Should You Rollover Your 401k or 403b Into an IRA in Retirement?

If you’re retired and still have an old 401(k) or 403(b) from a previous employer, now may be the right time to consider a rollover into an IRA. In this video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, walks you through the key reasons a rollover could benefit you — and what to watch out for before making the move.

✅ Expanded Investment Options
401(k) plans often have limited investment menus. With an IRA, you get access to a broader universe of funds and strategies, allowing better diversification and control.

✅ Greater Flexibility with Dividends & Interest
IRAs let you choose whether to reinvest or take interest/dividends in cash — a crucial feature when you’re relying on your portfolio for income in retirement.

✅ More Control Over Distributions
Avoid confusing 401(k) fund liquidation rules. IRAs let you choose which investments to sell for withdrawals, giving you more tax and income control.

✅ Simplified Management & Lower Fees
IRAs can simplify RMDs, tax reporting, and may help reduce administrative or distribution fees compared to your old 401(k).

🚨 Important Reminder: This advice applies to retirees only. Some advisors push “in-service” distributions while you’re still working — and that’s often not in your best interest. Check the show notes for a detailed video on that topic.

📌 Don’t forget to review your 401(k)’s fee structure, especially who’s paying the plan’s administrative costs — you or your former employer?

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✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For Business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

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#401k #IRA #RetirementPlanning #FinancialAdvice #FeeOnlyAdvisor #ArkRoyalWealth #Rollover401k #TaxPlanning #financialplanning #403b

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July 01, 2025 at 06:21PM

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