Don't leave your retirement stranded.

When you leave a department, retire, or change jobs, your 457(b), 401(k), or pension doesn't have to sit where it is. Rolling it to an account you control is tax-free, penalty-free, and often cheaper.

The Problem

Your old pension is sitting there — doing less than it should.

Most firefighters I talk to have at least one of these: a 457(b) from a prior department, an old 401(k) from a side job, a pension from a job they didn't stay at long enough. The account stays put. Nobody rebalances it. Fees keep quietly eating it. And when the market takes a hit the year before retirement, it eats that too.

A rollover doesn't fix laziness. It fixes being stuck with someone else's choices.

How It Works

What a rollover actually does.

A rollover is a tax-free transfer of qualified retirement money from one account (401(k), 403(b), 457(b), TSP, or old IRA) into another account you control — typically an IRA or a fixed indexed annuity. Executed as a direct rollover, no tax is owed, no 10% early withdrawal penalty applies, and nothing is reported as income.

Once it lands in the new account, you decide how it's invested. That's the whole point.

The three moves firefighters consider most

IRA with A-rated fixed indexed annuity — market upside with a floor at zero. You don't lose principal in a down year. Trade-off: capped upside in big years.
Indexed Universal Life (IUL) via a 1035-compatible strategy — different tax treatment, living-benefit riders, tax-free income in retirement via policy loans.
Self-directed IRA — for firefighters who want real estate or alternatives. Higher complexity, not for everyone.

Watch

Eric explains rollovers in 3 minutes.

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A rollover might make sense if...

You have an old 457(b) or 401(k) from a department you've left
You're within 10 years of retirement and can't afford another 2008
Your current plan has 1%+ in annual fees (look up your expense ratio)
You want guaranteed lifetime income you can't outlive
You want the ability to add living benefits the current plan doesn't offer

"I don't roll your money. You do. My job is to show you the options — in plain English — so you can decide if a move makes sense for your family."

Know what you actually have.
Know what you actually need.

Two ways to get started. No pitch either way — and no obligation to move to step two if step one doesn't feel right.

★ Step 1 · Talk Possibilities

15-min Call

A quick phone call to hear what's on your mind, answer questions, and see if we're even a fit. No numbers, no pitch, no homework.

Book a 15-min Call

★ Step 2 · Run the Numbers

30-min Zoom

When you're ready to pull up your current coverage, map out the gap, and see exactly what it would cost to close it. Screen-share, real numbers.

Book a 30-min Zoom

or call direct: (616) 291-7205