Every year, billions of dollars sit in forgotten 401(k)s, unclaimed IRAs, and underperforming plans from former employers. The money is still there. The question is — what is it actually doing?
Life Events That Trigger Action
These are the moments when doing nothing is the most expensive decision you can make.
Left a 401(k) behind at a former employer? It's still your money — but it's not working for you. We roll it into a strategy you actually control.
Retirement is when your money needs to work hardest. We convert your accumulated assets into a protected, predictable income strategy built to last.
Inherited retirement accounts come with strict IRS rules and real tax implications. Get the right guidance before you make a move that can't be undone.
Three former employers, four old 401(k)s, and no clear picture? We consolidate, clarify, and build one unified strategy from the pieces.
Within 10 years of retirement? Now is when the decisions you make have the most impact. Pre-retirement positioning is the difference between surviving and thriving.
Market volatility shouldn't threaten what you've spent decades building. We help protect your retirement assets without sacrificing growth potential.
The Process
We don't start with products. We start with your picture.
Discovery Call (30 min)
We learn where your money is, what it's doing, and what you want it to do. No commitment. No pitch. Just clarity.
Asset Analysis
We review your existing accounts — performance, fees, risk exposure, tax implications — and show you exactly what you're working with.
Strategy Presentation
We present a clear, personalized strategy. You'll understand every option, every tradeoff, and every number — before you sign anything.
Implementation
When you're ready, we handle the paperwork, the transfers, and the setup. Your job is to make the decision. Ours is to make it seamless.
Free Analysis. No Obligation.
30 minutes. No sales pressure. We'll show you exactly what you have, what it's costing you, and what your options are.
Schedule Your Free Rollover Analysis →Or call directly: 804-869-5336 · kchoate@financialguide.com