Rollover Basics

Everything you need to know about 401(k) rollovers.

Find your old 401k

Find your old 401(k)

We specialize in finding old 401(k)s instantly using our employer-lookup database. If we can’t find it right away, our rollover concierge team will track it down for you — for free.

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Here’s What You Need to Know about IRA Rollovers and Transfers

IRA rollovers allow you to move funds from an old retirement account into a rollover IRA, which can help you consolidate your nest egg and keep your investments growing. However, IRA transfers of all types, including IRA-to-IRA rollovers, are governed by some important rules, and understanding them can help you avoid hefty tax penalties and headaches in general. Here’s the scoop.

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401(k) Withdrawals Explained

Many people wonder when they can access the money in their 401(k). If you want to retire early or need to take money out of your 401(k) to cover expenses, then keep reading to learn everything you need to know about 401(k) withdrawals.

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401(k) Contribution Limits 2021

401(k) accounts have become the primary way Americans save for retirement because of their tax advantages and potential employer matches, popularly referred to as “free money.” Like many good things, though, there’s a catch: the IRS puts a limit on how much you can contribute each year. Let’s take a look at 401(k) contribution limits in 2021.

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Inherited IRAs: Rules, Taxes and More

If you’ve recently lost a loved one and inherited their retirement account, you have some decisions to make about what to do with their IRA. Dealing with a retirement account during a time of personal loss can feel difficult, so we’ve created this guide to help you understand your options.

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IRA Contribution Limits 2021

IRAs are a great retirement savings option with significant tax advantages. Most people open an IRA when they leave their job and roll over their 401(k) into a new retirement account. However, there are yearly IRA contribution limits that you need to know before making your contribution plan.

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Is a Backdoor Roth IRA Right for You?

A backdoor Roth IRA may sound like a sneaky loophole, but it’s actually a common (and completely legal) money move. The IRS doesn’t allow high income earners to directly contribute to a Roth IRA, so a backdoor Roth IRA is a workaround where a traditional IRA is converted to a Roth IRA. Keep reading to see if a Backdoor Roth IRA is right for you.

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Do your 401(k) rollover online in just a few minutes!

We’ll help you track down your old 401(k), choose an IRA, and guide you thorough the entire process, for free!

Why use Capitalize?

401(k) rollovers can be tricky and the process varies depending on your 401(k) provider. Some providers require you to track down and fill out a form, others require a phone call with you and many will mail you a check to forward on to your new IRA provider. Selecting the right IRA can also be confusing if you’ve never done it before. The entire process can feel like a daunting and time-consuming process. 

The good news is that we’ve got a team of experts ready to assist with your rollover. We guide you through the entire process and our experts are here along the way if you have any questions or concerns.

It’s 100% free for you, and most of the process can be done online in just a few minutes.