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IRA Rollover


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IRA Rollover Planning. Done Without The Withholding Trap.

IRA rollover work handled by a fiduciary CFP, covering 401(k), 403(b), and old employer plan transfers. The right destination, the right tax positioning, and the right fit with the rest of your retirement plan.

Schedule A Consultation Call (561) 210-7339
Fiduciary CFP® Fee-Based Direct Trustee-to-Trustee Tax-Sensitive

WHY CLIENTS CHOOSE US

A rollover isn't just a paperwork question.

Direct trustee-to-trustee transfer

We process rollovers as direct transfers between custodians, not as a check sent to you. Cleanest tax treatment, no 60-day clock, no withholding risk.

Coordinated with the portfolio

The rollover lands inside a portfolio that already reflects your risk tolerance, time horizon, and tax situation. Not a parked balance waiting for a decision.

Honest answer when not to roll over

Sometimes the old plan has better fund options, lower fees, or creditor protections worth keeping. We tell you when staying put is the right call.

Roth conversion conversation, if it applies

A rollover is often the right moment to look at Roth conversion strategy, especially if you're in a low-tax year.

Long-term, not transactional

We meet on a real cadence, usually quarterly. The plan flexes as your life and the tax code change. Most relationships span decades.

South Florida-rooted, nationally licensed

Offices in Boca Raton and Plantation, plus licensed in all 50 states. Existing clients keep us when they move.

What we handle.

  • 401(k), 403(b), 457 rollovers from prior employer plans into an IRA we manage.
    Pension lump-sum rollovers at retirement or separation.
    In-service distributions from current 401(k) plans where the plan document allows it (typically at age 59 1/2).
    Inherited IRA setup, including the 10-year rule planning under the SECURE Act.
    Roth IRA rollovers from Roth 401(k) and Roth 403(b) accounts.
    HSA rollovers and HSA investment management.


How the process works.

The mechanics are usually straightforward, but the order matters. We open the receiving IRA first, then initiate a direct trustee-to-trustee transfer from the old plan. The money moves between custodians without ever passing through your hands. That avoids the 20% mandatory withholding and the 60-day rollover clock that catches people who take a check.

For 401(k) plans that only allow check-based distributions, we work with the plan administrator to get the check made payable to the new custodian for benefit of you. Still no taxable event if handled correctly.

RELATED SERVICES

Where the rollover fits.

Most rollover work connects to one or more of these:

Retirement Planning

The broader hub. Income strategy, Social Security, RMDs, healthcare. The rollover is one decision inside a longer arc.

See retirement planning →

Investment Management

Where the rolled-over funds land. Portfolio construction, asset allocation, tax-sensitive investing.

See investment management →

Roth Conversion Strategy

Often paired with a rollover. Multi-year tax modeling and conversion ladders.

See roth conversion strategy →

Who This Is For

Common rollover scenarios.

Most rollover clients come to us from one of these life moments:

Pre-Retirees Consolidating Executives Leaving a Company Business Owners Selling Inheritors of an IRA Widows With Inherited Accounts Career-Changing Professionals

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Contact Us Today

Quarterly notes on retirement strategy, tax law changes, and what we're watching in the markets. From a fiduciary CFP, written for clients (not the financial press).

RELATED READING

More From The Retirement Planning Blog

Posts our planning team has put together on this topic.

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What Is a Roth 401(k)?

Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.

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QUESTIONS, ANSWERED
Common questions about Retirement Planning

  • Usually yes, but not always. A rollover into an IRA gives you a wider investment universe, easier coordination with the rest of your plan, and simpler RMD tracking later. Reasons to consider leaving it in the old plan: institutional-class shares with very low fees, the Rule of 55 separation-of-service withdrawal access (if you're 55 or older), or specific creditor-protection considerations under federal law.
  • A direct rollover is a transfer between custodians. The money never touches your bank account. An indirect rollover is when the old plan sends you a check, and you've 60 days to deposit it into the new IRA. Indirect rollovers also trigger 20% mandatory withholding on 401(k) distributions, which you've to replace from other funds to keep the rollover whole. We always do direct rollovers when possible.
  • Yes. That's called a Roth conversion. You pay income tax on the amount converted in the year of the conversion, in exchange for tax-free growth and withdrawals from that point forward. It's one of the most powerful planning moves for pre-retirees in the low-tax window between when work stops and when RMDs begin. See the Roth conversion page.
  • For most non-spouse beneficiaries who inherit an IRA after 2019, the SECURE Act requires the entire balance be drawn down within 10 years. Spouses have different rules and can usually treat the inherited IRA as their own. The planning question is how to spread the 10-year drawdown across the years where your tax bracket is lowest, which often means taking nothing in high-income years and accelerating in low-income years.
  • Most direct rollovers from 401(k) plans take two to six weeks, depending on the speed of the plan administrator. IRA-to-IRA transfers usually settle in five to ten business days. We handle the paperwork on both ends and follow up with the old custodian when needed.

Find Us

Two offices, one team.

Boca Raton (Home Office)

1200 North Federal Highway, Suite 300

Boca Raton, FL 33432

(561) 210-7339

Monday to Friday, 8:30 AM to 4:30 PM ET

Plantation

7901 SW 6th Court, Suite 320

Plantation, FL 33324

(954) 809-3553

Monday to Friday, 8:30 AM to 4:30 PM ET

Serving

South Florida cities and neighborhoods

Palm Beach County

Boca Raton Highland Beach Delray Beach Boynton Beach West Palm Beach Palm Beach Palm Beach Gardens

Broward County

Plantation Fort Lauderdale Coral Springs Weston Cooper City Parkland

Ready to talk about IRA Rollover?

The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.

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