Our Investment management

+ Financial planning expertise


= Your financial prosperity

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Changing jobs or nearing retirement? Own a 401k? Create an IRA…

How Does A 401k Rollover Work?

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You decide to change employers OR retire…
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You are free to take your 401k with you and use it to…
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Create an IRA from your 401k (“rollover”) and continue investing

What Are The Benefits?

  • Ability to have your money professionally managed
  • If Percension manages your IRA, you gain from our investment process & financial planning expertise
  • No tax implications (if going 401k to a Traditional IRA)
  • Potentially more cost-effective than your 401k
  • A universe of investment options come available to you

Our Financial Planning Expertise:

  • Do you have a financial plan? If so, how current is it?
  • How prepared are you for changes such as marriage, children, or owning a home?
  • Have you changed jobs? If so, what IRA rollover options did you explore for your 401k?
  • Have you considered the tax benefits of a Roth IRA?
  • How well can you afford your lifestyle if you stop working for any particular reason?
  • Have you financially planned for children?
  • How are you investing for college savings?
  • If you want to buy a new home, how have you planned for that?
  • If recently married, does your plan meet your collective goals?
  • Do you or your spouse want to work less or stop working completely?
  • How do you monitor your existing financial plan?
  • Does your plan support recent life changes?
  • How comfortable do you feel nearing retirement?
  • What happens if there is a death in the family? Are you comfortable with how certain assets will pass on?
  • How current is your will or trust?

 

  • Have you prepared should a co-owner leave the company?
  • Have you prepared should a co-owner die or become disabled?
  • Have you maximized your compensation and that of your employees from a tax standpoint?
  • Do you have a company retirement plan? When did you last review it for appropriateness and cost?
  • How much does your business plan affect your personal financial plan? Are the two plans integrated?
  • Are you concerned whether you have enough savings to last?
  • Does your investment strategy provide the lifestyle you seek?
  • Do you have an estate plan? If so, does it still accomplish your goals?
  • If you do not have an estate plan, how come?
  • When you pass, how will your assets pass on?
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