In-Service Alternate Rollover

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In-Service Alternate Rollover

If you’re like most people, your 401(k) represents the bulk of your retirement savings.  Historically, your 401(k) was inaccessible unless you retired, changed jobs, got divorced, were disabled, or died. Over committing your retirement savings to your 401(k) means your future retirement is totally exposed to the ups and downs of the markets.

An In-Service Alternate Rollover (ISAR) is a legal way of rolling over all or a portion of your 401(k) funds to an alternate qualified option without incurring any taxes or penalties. In addition, the ISAR allows you to continue participating in your 401(k) after the rollover.

Ray Hodges Financial Group is one of the few advisors in the country certified to administer the process.