Four options. Different tax implications. Different trade-offs. A plain-English guide. Takes 5 minutes.
No spam. No sales pitch. Educational only — not personalized advice.
I left my last job two years ago and my 401k is still just... sitting there.
You're not alone. Most people leave their 401(k) with their old employer and forget about it. Meanwhile, you might be paying higher fees than you need to, your investment options might be limited, and nobody's watching it.
The longer it sits, the more it can cost you.
When it makes sense to keep your balance with your old employer. (Hint: sometimes it does.)
More control, more investment options, potentially lower fees. But there are tax traps to avoid.
Consolidation is powerful. But not all plans are created equal.
Almost always the worst option. Here's exactly why (and the one exception).
The difference between a 0.5% fee and a 1.5% fee on a $200,000 balance over 20 years.
That's not a typo. Fees compound just like returns do — except they work against you.
This guide shows you how to compare your options and make the right call for your situation.
I'm Austin Harley — a financial advisor in Mount Pleasant, SC. I help people in the Lowcountry make smart decisions about their retirement savings. No jargon. No pressure. Just clarity.
If you want help figuring out what to do with your old 401(k), this guide is a great place to start.
No spam. No sales pitch. Educational only — not personalized advice.