Social Security was never intended to be the only source of income for retirees. Today Social Security is generally providing a smaller percentage of the income needed in retirement, and sometimes without the benefit of cost-of-living increases. Furthermore, pension plans are no longer as prevalent as they used to be, leaving most people without those guaranteed funds.

Before we get rolling...

We conduct a full review of all your retirement accounts and provide you with a snapshot of your account which shows risk- reward, fees, and historic performance. We will compare our recommendations to your current account and determine if it would be appropriate to rollover your 401K or transfer your IRA. It’s your dreams and goals that we are focused on.

We want to be a trusted partner with you. We will act only in your best interest...wouldn’t you think this would be obvious.

Rolling your 401K or transferring your IRA can be a straightforward process, If executed correctly, there should be no tax consequences, no fees, no hassles.

Please note that before rolling over the proceeds of your retirement plan to an Individual Retirement Account (IRA) or annuity, consider whether you would benefit from other possible options such as leaving the funds in your existing plan or transferring them into a new employer’s plan. You should consider the specific terms and rules that relate to each option including: the available investment options, applicable fees and expenses, the services offered, the withdrawal options, the potential flexibility around taking IRS required minimum distributions from the option, tax consequences of withdrawals and of removing shares of employer stock from your plan, possible protection from creditors and legal judgments and your unique situation. Kesten Financial Group does not provide tax or legal advice. Consult your own tax and or legal advisors regarding your particular situation.