Have An Old 401(k)?

It might be time to take a closer look.

If you’ve changed jobs over the years, there’s a good chance you’ve left behind an old 401(k) or two. It’s more common than you think — and while these accounts can quietly grow over time, they can also be overlooked, misaligned with your current goals, or even forgotten entirely.

Here are a few reasons to take a second look:

1. Is It Still Working for You?

What made sense at your old job may not fit your current life or future plans. Your investment options, fees, and risk level might not reflect your goals anymore. Reviewing it with a financial advisor can help you understand whether it’s still in line with your retirement strategy.

2. Consolidation Could Simplify Your Life

Managing multiple retirement accounts can get complicated — and easy to ignore. While not always the best move for everyone, consolidating retirement savings can make it easier to track performance, rebalance investments, and manage distributions down the road. A financial advisor can walk you through your options, including potential pros and cons.

3. Fees May Be Hiding in Plain Sight

Some 401(k) plans have fees that eat away at your savings over time. Others may have limited investment options. It's worth reviewing what you're paying — and what you're getting. Understanding your fee structure can help you make more informed choices about where to keep your money.

4. You May Have More Control Than You Think

Depending on your situation, you may have the option to leave your old 401(k) where it is, roll it into a new employer plan, or move it into an IRA. Each option comes with trade-offs. It’s not about what’s “best” — it’s about what’s best for you. Talking with a professional can help you weigh those choices carefully.

5. It’s Easy to Put Off — But Worth Addressing

Life gets busy. Retirement accounts are long-term. And it’s easy to say, “I’ll look at it later.” But a quick review now could help you avoid missed opportunities or costly mistakes down the line.

Take the Next Step

If you have one or more old 401(k) accounts sitting untouched, now might be the right time to reassess. A conversation with a financial advisor can give you clarity on your options — and help you align your retirement savings with your current life.

Questions about your old 401(k)?
There’s no one-size-fits-all answer, but a little guidance goes a long way.