Not if it's done as a direct rollover, where the money moves institution to institution and never passes through your hands. The mistake that costs people is taking the distribution personally: the plan is then required to withhold 20% for federal taxes, and you have 60 days to redeposit the full amount — including the 20% you never received — or the shortfall becomes a taxable distribution. We file it as a direct transfer so that clock never starts.

Nothing, and there's no obligation to move anything. If we go forward, we explain exactly how we're compensated on that specific recommendation, in writing, before you sign anything.

No. We work with people rolling over $40,000 and people rolling over $2 million. The conversation is the same; only the stakes change.

It's the most common situation we see, and it's the easiest one to fix. Multiple accounts usually mean overlapping funds, duplicated fees, and no coherent allocation across the whole picture. Consolidating is often the single clearest improvement available.

Then the questions shift to sequencing and required minimum distributions — which account to draw from first, how it interacts with your tax bracket and Social Security, and how much to keep in safer assets. That's a bigger conversation than a rollover, and it's the one worth having.

No. Brandon works out of New York and serves families across the country. Most of our meetings happen by phone or video, and rollover paperwork is handled electronically — so where you live doesn't change the process or the timeline. If you're nearby and would rather sit down in person, we're happy to do that too.