Retirement Savings Options: To Move or Not to Move Your 401k

Retirement Savings Options: To Move or Not to Move

Seminars offered through ING Financial Advisers, LLC (member SIPC). Seminar worksheet used in conjunction with appropriate seminar topic.
C05-0929-008 (10/05)

1. When you change jobs, you have three options for your employer-sponsored plan savings — you can
cash out, stay in your old plan, or roll over to a new plan. Which option most appeals to you and why?

2. As discussed, you can lose up to 35 percent of your savings if you cash out an employer-sponsored
plan. When might you consider this option? How might you avoid this decision?

3. If you leave your current job, you might be able to leave your retirement plan with your present
employer. Do you know if your plan would allow this? Which of your present plan’s features would
encourage you to leave your money where it is?

4. If you decide to roll over the money, you can choose your new employer’s plan or an IRA. Which
option would you choose and why? If unsure, what else would you need to evaluate to make this
decision (other than a prospectus)?

5. What are your next steps?

email today to secure an appointment on your 401k plans

bkenoyer@sbcglobal.net

Bill Kenoyer

ING USA Advisor

1317 Oakdale Road Suite 1120

Modesto, CA  95355

209-579-1149 office