Do You Have an Old 401(k) From a Previous Employer?
Watch as I pull up an actual retirement illustration and show how a $100,000 rollover grows while avoiding market losses during downturns.
Ready To See Your Own Numbers?
I'll show you exactly what this strategy could look like using your own numbers.
30 minutes · Free · No obligation
Austin Becker
Retirement Income Strategist · Empirical Wealth Group
I help people in their 30s, 40s, and 50s take control of old retirement accounts they’ve been meaning to deal with for years. My approach is simple — show you the real numbers for your specific situation, explain exactly how the strategy works, and let you decide if it makes sense. No pressure. No jargon.
- Licensed retirement income strategist — all states except New York
- Helped clients roll over tens of millions in old retirement accounts
- Independent — not tied to any single carrier or product
- Education-first approach — if it’s not the right fit, I’ll tell you
Everything Your Old 401(k)
Was Never Doing For You
Answers Before Your Call
No. A direct rollover moves your money between qualified retirement accounts with no current tax event and no early withdrawal penalties — regardless of your age or account size. The money goes from your old plan directly into the new account. You never touch it, so the IRS does not treat it as a distribution.
Most accounts allow penalty-free withdrawals of up to 10% of your account value per year after the first contract year. We design the contract around your specific liquidity needs from the start, so you're never locked out of your own money.
These accounts are held in the insurance carrier's general account, which is backed by strict state reserve requirements. Carriers are required by law to maintain reserves sufficient to cover all policyholder obligations. State insurance guarantee funds provide an additional layer of protection on top of that — coverage limits vary by state.
Most qualified retirement accounts are eligible — including an old 401(k), IRA, TSP, 403(b), 457, and most other employer-sponsored plans. If you're not sure whether your account qualifies, we'll confirm it together on the strategy call.
Most rollovers are completed in two to three weeks from start to finish. We handle the paperwork. You sign a few forms and we coordinate directly with your old plan administrator. There's nothing complicated on your end.
No out-of-pocket cost. There is no fee to establish the account and no fee to process the rollover. The strategy call is also completely free. You will never be asked to write a check or pay anything upfront at any point in this process.
Still have questions? Bring them to the call. The strategy call is 30 minutes and there is no obligation to move forward.
See What Your Numbers Look Like
Pick a time below. The call is 30 minutes. I'll pull up an illustration with your specific balance and retirement timeline — no prep needed on your end.
Illustrations shown during consultation are hypothetical and not a guarantee of future performance. Fixed Indexed Annuities are insurance products, not securities. Austin Becker is a licensed insurance professional. This is not investment advice. Results will vary based on individual circumstances, product selection, and index performance. · Privacy Policy · Terms of Service