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Rollover Basics

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

Did you know leaving behind a 401(k) account could cost you almost $700k in foregone retirement savings?

We consulted with experts like The Center For Retirement Research to perform the most comprehensive analysis to date on what the forgotten 401(k) crisis costs us — and what we can do about it.

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Find your old 401(k)

We specialize in locating old 401(k)s instantly using our employer look-up database. If we can't find it right away, we'll track it down for you — for free.

3 common 401(k) rollover mistakes to avoid

A guide to avoiding common 401(k) rollover mistakes. Are you leaving money on the table? Small accounts can easily grow large over time.

4 reasons a 401(k) rollover is better than a withdrawal

Understand the key differences between a 401(k) rollover and withdrawal, and why rollovers are generally better for your retirement savings.

Pros and cons of rolling over your 401(k) into an IRA

Considering a rollover of your 401(k) into an IRA? Here's a list of key pros and cons. Be sure to contact us or check out our FAQs as well.

What can you do with your 401(k) when changing jobs?

Figuring out what to do with your 401(k) when changing jobs can be intimidating. Read our quick guide to your 4 key options.

The easiest way to roll over an old 401(k)

It's our mission to make 401(k) rollovers easy, and we've built a service to handle the entire process for you online — for free!

How to roll over your 401(k): a step-by-step guide

The process of transferring (or “rolling over”) your retirement accounts can often feel daunting. Read our guide on how to rollover your 401(k) in five steps.

What You Need to Know about IRA Rollovers

IRA rollovers allow you to move funds from an old retirement account into an IRA, which helps you consolidate your nest egg and keep your investments growing.

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.

401(k) Contribution Limits 2021

401(k) accounts have become a primary way to save for retirement because of their tax advantages. Take a look at 401(k) contribution limits in 2021.

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.

Traditional v. Roth IRAs: What You Need to Know

There are two main types of IRAs, or Individual Retirement Accounts: traditional and Roth. The key difference between them is how contributions and withdrawals are taxed.

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.

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“I probably would have never done my rollovers if Capitalize didn't exist. The high-touch service and personalized guidance has been wonderful. I've never experienced that from a financial institution before. Overall, this was a stellar experience, probably one of the best I've had with any service provider ever.”

— Rahul D.

“I had tried to rollover my 401(k) to a Roth IRA previously but got lost in the process. I found it so confusing and wished I had a service to guide me—then I found Capitalize and it was like my prayer had been answered!”

— Milan M.

“I’d tried to do a rollover on my own a couple of times and got frustrated not having my passwords and getting the run-around from my old 401(k) provider. Capitalize did it for me and eliminated all the stress. It felt like they made me thousands of dollars.”

— Jordan N.

“I have always wanted to consolidate my 401(k) accounts from past employers into a single IRA, but the requirement of contacting the previous plan administrators seemed so burdensome. Capitalize manages that process for you, guiding you every step of the way. Mission accomplished!”

— Michael

“I'm a pretty typical Millennial, having moved jobs every few years. By the time I turned 30, I had 4 different 401(k)s floating around. I may have never consolidated my 401(k)s without Capitalize. They made it quick, easy and super stress-free. Highly recommend!”

— Amy B.

“I had a 401(k) that I had forgotten about because I opened it many years ago. The excellent team at Capitalize helped me unearth the original company that had managed the fund. They provided all of the necessary connection points to make this process easy.”

— Dmitri

“I pushed off handling my IRA rollover for years because every time I tried, there were so many roadblocks and confusing steps that I would pretty quickly lose motivation. Capitalize was EXACTLY what I needed. The team was knowledgable and great to work with.”

— Lindsey S.

“Capitalize was a lifesaver. I needed to update my 401(k) information in the midst of changing jobs and it felt like a to-do list item I would never get to. It was super simple to have everything planned and moved for me.”

— Eliza E.