The 401(k) Rollover Roadmap: Navigating Your Best Move When You Leave a Job or Retire

Leaving a job or retiring can turn one of your biggest assets into one of your biggest question marks. Should you roll your 401(k) to an IRA, move it into a new employer plan, convert to Roth, or leave it where it is? The 401(k) Rollover Roadmap is for anyone who wants a clear, confident answer without getting buried in jargon. If you’ve ever worried about making one costly mistake with retirement money, this book is for you.

Readers will discover how taxes really follow retirement dollars, why the “obvious” rollover choice is sometimes the wrong one, and how hidden rules can quietly change the best answer. The book explores the pro-rata rule and backdoor Roth complications, the creditor-protection tradeoffs between plans and IRAs, and the often-missed net unrealized appreciation opportunity for employer stock. It also shows how access rules, fees, and investment options can matter just as much as taxes.

What makes this book special is its practical, decision-first approach. Instead of offering generic retirement advice, it walks readers step by step through real rollover choices in plain English, with relatable examples and actionable guidance. The result is a smarter, calmer way to make a high-stakes financial decision with confidence.