401(k) Rollovers

How to roll over your 401(k) or 403(b)

Aggregating all your investing and savings plans together can help bring your entire financial picture into focus.

Access live advice and support for your rollover1 every step of the way. Get personal guidance on the IRA that best meets your needs and gain confidence as you navigate the tax implications of your retirement savings decisions.

You can also do the rollover yourself. Simply open an IRA online and electronically authorize a transfer into your IRA from the employer-sponsored plan.

Access to live advice and support

A financial advisor in our U.S. Bancorp Investments' Wealth Management Advisory Center is available to help you with all aspects of your rollover, including technical support.

Contact us

 

Monday to Friday, 8 a.m to 8 p.m. CT

Phone: 855-240-7726

Rollover options

We make it easy to rollover a 401(k) or 403(b) with these two options:

  1. Authorize a transfer. Authorize a rollover transfer directly into an IRA without penalty or taxes. Some fees may apply.
  2. Request a check. Request a distribution check payable to you, subject to a 20% federal withholding tax. Roll the amount into an IRA within 60 days to potentially avoid penalties and taxes.

A clear view of your 401(K)

 

Your rollover is just the beginning.

When you consolidate your accounts you can get a clearer view of how your 401k fits into an overall strategy.

Without a financial plan, every account and every investment can just add to the pile of documents. But when you work with us to develop a comprehensive wealth plan, we can help you see and manage your entire financial picture.

You will be supported by the latest online technology, where you can gain visibility and access to your accounts when, where and how you want.

Wealth planning technology

For illustrative purposes only. Minimum investment levels may apply.

IRA options

There are many different types of IRAs and each is designed to meet a specific set of circumstances. Options vary depending on your income, age and tax situation. We can help you determine which best meets your unique needs.

Learn about types of IRAs

Invest your way

 

Personal guidance

Making sense of your current finances is our starting point for developing your retirement savings plan. We'll tailor your investment strategy to help you work toward your goals for the retirement lifestyle you envision.

Work with a financial advisor or banker

Online investing

For your retirement savings, whether you want a managed-for-you option, Automated Investor, or you prefer to build and manage your own portfolio through Self-directed brokerage, we've got an online investing option for you from U.S. Bancorp Investments.

Compare online investing options

Insights

 

Sources of retirement income

Multiple sources of retirement income can supplement social security.

Plan retirement income

Pros and cons of 401k rollovers

What can you do with a 401(k) after you leave your job?

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Goals-based financial planning

By understanding what you’re looking to accomplish in your life, we can figure out how your financial resources fit together.

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