Retirement planning · Salinas and Monterey County
401k and 403b rollovers, done carefully
Changing jobs or retiring? We'll help you understand your rollover options and plan the income you'll need in retirement.
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Have your latest plan statement handy and we'll go over your options together, at no cost.
Licensed California life insurance agents · CPIS
Retirement planning
Make your savings last
We look at your pensions, Social Security and savings together, then help you decide what to keep, what to roll over and how to turn it into income.
401k rollovers
Moving an old employer's 401k into an account you control, so it doesn't sit forgotten.
403b rollovers for teachers and nurses
The same careful process for teachers, school staff, nurses and nonprofit employees with a 403b.
Income that lasts
Options such as annuities can turn part of your savings into a steady paycheck in retirement.
Tax questions go to a tax pro
We coordinate with your plan and point you to a tax professional when your situation calls for it.
Rollover questions
Should I roll over my 401k to an IRA?
Not always. Leaving it in the old plan, moving it to your new employer's plan or rolling it into an IRA or annuity each have pros and cons. We'll compare them for your situation.
Can I roll over a 403b?
Yes. When you leave your job or retire, a 403b can usually be rolled into an IRA or annuity. Some plans also allow rollovers at certain ages while you're still working.
Will a rollover cost me taxes?
A direct rollover from your plan to another qualified account is generally not taxable. Cashing out usually is, and may add a penalty before age 59½.
What is the 60-day rollover rule?
If the money is paid to you, you generally have 60 days to deposit it in another qualified account to avoid taxes. A direct rollover avoids this risk, so we usually recommend it.
Other ways we can help
Term life insurance
Affordable coverage for 10, 20 or 30 years, so your mortgage, bills and kids are covered if something happens to you.
Learn more: Term life insuranceWhole life insurance
Permanent coverage with a premium that never goes up and cash value that grows over time.
Learn more: Whole life insuranceIndexed universal life (IUL)
Lifetime coverage with flexible premiums and cash value growth linked to a market index, with a floor that protects against market losses.
Learn more: Indexed universal life (IUL)Final expense insurance
A small whole life policy that pays for the funeral, burial and final bills, often approved with a few health questions and no medical exam.
Learn more: Final expense insuranceAnnuities
Fixed and fixed indexed annuities that protect your principal and can pay you an income for as long as you live, backed by the insurance company that issues them.
Learn more: Annuities
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We're based in Salinas and serve families across Monterey County and California.
Serving Salinas, Monterey County, California
Hours
- Monday
- 9:00 AM – 5:00 PM
- Tuesday
- 9:00 AM – 5:00 PM
- Wednesday
- 9:00 AM – 5:00 PM
- Thursday
- 9:00 AM – 5:00 PM
- Friday
- 9:00 AM – 5:00 PM
- Saturday
- Closed
- Sunday
- Closed