Straight answers about old 401(k)s, annuities and retirement income
Plain-English guides written by Felipe Barganier, licensed insurance agent. No jargon, no pressure, and every number shown so you can check it.
401(k) & rollovers
What to do with an old 401(k): your 4 options, compared
Left a job? Here are the four things you can do with an old 401(k), what each one costs you, and how to choose, in plain English.
401(k) & rolloversLaid off? What to do with your 401(k) in the first 60 days
A calm, step-by-step plan for your 401(k) after a layoff: what to check first, the loan deadline that catches people, the rule of 55, and when to roll over.
401(k) & rolloversDirect rollover vs. a check in your name: how to avoid the 20% withholding
How to move a 401(k) without paying tax: why a direct rollover beats a check made out to you, a $100,000 example, and the exact steps to request one.
401(k) & rolloversHow to find an old 401(k) you forgot about (free, in about an hour)
Step-by-step: how to track down a forgotten 401(k) from an old job using free government tools, old paperwork and the plan's annual filings.
Annuities & income
Can you roll a 401(k) into an annuity? How it works, and when it makes sense
Yes, a 401(k) can roll into an annuity with no tax. Here's how it works, the honest pros and cons, and the questions to ask before you sign anything.
Annuities & incomeHow much monthly income can your 401(k) buy? A walk-through with the math
How a lifetime income rider turns a 401(k) into a monthly paycheck: income base, roll-up, payout rates and fees, with worked examples you can check.
Annuities & incomeFixed indexed annuities in plain English: caps, participation rates and the 0% floor
How a fixed indexed annuity earns interest, with simple examples of caps, participation rates and spreads, plus the surrender charges and fees to check.
CDs & MYGAs
See what your old 401(k)s could pay you each month
Use the free calculator, or take the 2-minute plan check and get your Second Paycheck report. No cost, and nothing to sign.