401(k)/IRAs 

What should I do with an old 401(k) after leaving a job?

You generally have a few options when you leave an employer:

• Leave the assets in your former employer’s plan (if allowed)
• Roll over to an IRA
• Roll over into a new employer’s plan if available
• Take a distribution (may have tax implications)

Each option has different considerations depending on your goals, fees, and investment options. If you’d like help reviewing what makes the most sense for your situation, we’re happy to talk through it with you.

I am looking for a new Financial Advisor to handle my business’s 401(k) program for my employees. Can Triad help me with that?

At Triad Financial Group we work both privately with individuals and families, as well as with corporate entities advising on employee retirement saving programs such as 401(k)s and 403(b)s.

When can I retire based on my savings?

Retirement timing depends on several factors, including your savings, expected expenses, Social Security strategy, and overall investment plan. A good starting point is estimating the income you will need in retirement factoring in inflation, taxes, healthcare, etc. and comparing that to your current progress toward that goal. From there, we can evaluate annually whether you are on track or if adjustments may be needed.

How do I handle an inheritance?

Our Wealth Managers are experienced at navigating the details of inheritances, estate planning, and death benefits to guide you to an approach that is appropriate for your goals.

What does it mean to be a fiduciary?

A fiduciary is a person or organization legally and ethically obligated to manage assets or wealth while putting their client’s best interests first. Many of our Wealth Managers at Triad Financial Group are accredited fiduciaries.