Constipation Relief

Constipation Relief Solutions, natural remedies for constipation, constipation medication.

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Options	Benefits	Considerations
Leave the money in a former employer's plan	Continued tax-deferred growth potential May have access to institutional investments at low cost If between ages 55-59 ½, may have access to penalty-free withdrawals Generally speaking, plan assets have protection from creditors under federal law If planning to work beyond age 70 ½, may be able to delay Required Minimum Distributions (RMDs)	Cannot continue to contribute to account May not have access to loans from account Some employers may charge higher plan fees if not an active employee May have limited investment options
Roll the money to a new employer's plan	Continued tax-deferred growth potential May have access to institutional investments at low cost If between ages 55-59 ½, may have access to penalty-free withdrawals Generally speaking, plan assets have protection from creditors under federal law If planning to work beyond age 70 ½, may be able to delay Required Minimum Distributions (RMDs)	May have higher fees than old plan or an IRA May not have access to a wide variety of investment options May have to wait before being able to roll the assets into a new employer plan
Roll the money into an E*TRADE IRA	Continued tax-deferred growth potential Potential for a wide variety of investment options Potential for lower fees than in an employer plan account Consolidation may make tracking assets and performance easier	Potential 10% early withdrawal penalty between ages 55 - 59 ½ RMDs required from Traditional IRA beginning at age 70 ½ Potential loss of access to institutional investments IRA assets protected in bankruptcy proceedings only; protection of IRA assets in lawsuits vary by state Highly appreciated employer stock may have tax consequences
Take the cash value of the account	Immediate access to cash No restriction on investment choices Possible tax savings on company stock	Loss of tax-deferred growth potential and retirement savings Employer will withhold 20% to pre-pay federal taxes owed Taxes and potential 10% early withdrawal penalty (if under age 59 ½)

Before deciding whether to retain assets in a 401(k) or roll over to an IRA an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. View the FINRA Investor Alert for additional information.