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CPA Corner  

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The Pros and Cons of Early Retirement Plan Rollovers

Did you know you may be able to take your 401(k), 403(b), or 457 plan and roll it into another type of retirement account while you are still working? Let’s look at how these rollovers can happen and the pros and cons of making them.

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Should Your Client’s 401(k) Plan Include a Self-Directed Brokerage Window?

The Profit-Sharing Council of America reported that more than 20% of plans offer a brokerage window and that percentage is growing. It is true that a brokerage window provides a much wider range of investment options and potentially lower cost alternatives. It is also clear that the brokerage window would appeal mostly to those participants that are more hands on, i.e. higher paid and more knowledgeable about managing their investments. Unfortunately, this option, if offered, must be offered to all participants. Although the option must be offered to all participants the availability of the brokerage window can be limited to a specified percentage of the participant’s account, it can exclude certain investments, e.g. limited partnerships, options, futures, and other derivatives.

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