401(k) Management & Rollovers

In Great Neck, Bayside, Flushing, Garden City, Port Washington, NY and Nationwide

If you’ve been contributing to a 401(k), you’re already doing something right. But what happens next? At Premier Wealth Planning, we help professionals across Long Island—and virtually nationwide—optimize their employer retirement plans, make informed rollover decisions, and develop tax-smart strategies to grow retirement savings more efficiently.



Whether your 401(k) is still with your current job, from a former employer, or split across several accounts, we’ll help you manage it the right way.

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Retirement Planning

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401(k) Management

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You Don’t Need to Leave Your Job to Get Help With Your 401(k)

Many people think they can’t get advice on their 401(k) until they retire or switch jobs. That’s simply not true. We provide ongoing guidance to help you:


  • Choose appropriate investment options within your existing plan
  • Understand contribution limits and employer match structures
  • Coordinate your 401(k) with IRAs, taxable accounts, and pensions
  • Prepare for required minimum distributions (RMDs) later in life

And if you’re considering a rollover, we’ll help you evaluate your options—objectively and in your best interest.

Specialized Support for Corporate Employees

We frequently work with employees of major companies—especially hospitals, airlines, and large regional employers—who have complex retirement plan options or need help making sense of benefits packages.


We help you navigate:


  • Vesting schedules
  • Roth 401(k) options
  • After-tax contributions
  • In-plan rollovers
  • Beneficiary updates

Our 401(k) Services Include:

Management of your 401(k) Through Your Current Job

For some 401(k)s, we can handle direct management of a 401k through a manager.


Investment Allocation Guidance
We help you make the most of your 401(k)’s available funds by recommending an allocation that reflects your risk tolerance, time horizon, and broader financial plan.


Contribution Planning
We walk you through how much to contribute and when—whether you’re trying to catch up in your 50s, reduce taxable income, or maximize employer match benefits.


401(k) Rollovers
Thinking about moving an old 401(k) into an IRA or your current plan? We’ll guide you through the pros and cons, ensure it’s done tax-free, and help you avoid common rollover mistakes.


Coordination With Roth IRAs & Other Accounts
Your 401(k) doesn’t exist in a vacuum. We help coordinate retirement planning across all your accounts—traditional, Roth, and taxable—for a more efficient income strategy later.


Pre-Retirement Transition Support
As retirement nears, we’ll help you develop a drawdown plan that avoids unnecessary taxes and takes full advantage of your retirement benefits.

Tax-Efficient Advice, Built Into Every Decision

Because we’re not just investment advisors—we’re also your tax preparers—we can ensure every 401(k)-related move is evaluated through a tax lens. That includes rollover timing, contribution type (pre-tax vs. Roth), and how distributions will be taxed in retirement.



Our integrated approach gives you a major advantage—and helps you avoid the all-too-common mistakes we see when tax and financial planning happen separately.

Frequently Asked Questions

  • Can you manage my 401(k) while it’s still at my current job?

    Yes. For some 401(k)s, we can handle direct management of a 401k through a manager. For others, while we won’t directly control your plan, we can advise you on how to allocate your funds and coordinate it with your overall retirement strategy. Get in touch with us today to learn more about 401(k) management.

  • Should I roll over my old 401(k)?

    It depends. We’ll help you weigh the benefits of consolidating accounts versus keeping assets in your former plan. Our goal is to minimize taxes, fees, and complexity.

  • Can I contribute to both a 401(k) and an IRA?

    In many cases, yes. We’ll help you determine the best combination of contributions to maximize your tax advantages and retirement readiness.

  • How much should I be contributing?

    That depends on your age, income, goals, and employer match. We’ll create a plan that balances short-term flexibility with long-term growth.

Let’s Take a Closer Look at Your Retirement Plan

You’ve worked hard to build your 401(k). Now it’s time to make sure it’s working hard for you. Whether you’re just getting started or nearing retirement, we’ll help you manage it more effectively—with your taxes and future in mind.