401k, 403B, & 457B Rollovers Wappingers Falls, NY

401K Rollovers

If you have recently started a new job and hold a 401k, 403B, or 457B from your previous employer, or if you have reached the age of 59 1/2 and have a well-established 401K, 403B, or 457B, you may be eligible to rollover these accounts into an IRA. This conversion can provide you with various advantages for your retirement planning.

When you engage in a rollover of your 401K, you are essentially converting it into an IRA that you can manage independently. This transition transfers the control from your employer to you, allowing you to take charge of your retirement planning, widen your retirement income options, and remove your employer's influence over your retirement path.


Some 401(k) plans offer a limited selection of investment funds and may strongly encourage heavy investments in the company's stock. Additionally, many 401(k) plans come with variable annuity contracts, which provide an insurance component but could potentially incur fees of up to 3.9% annually for participants.


It is highly recommended to seek guidance from a financial advisor before making any significant financial decisions that will impact your future. Financial advisors are well-versed in navigating the regulations related to 401(k) rollovers to IRAs and can provide valuable insights. By partnering with Sage Investment Advisers LLC, you gain access to expert advice that can help you understand the implications of your decisions. Given the potential tax implications and penalties associated with incorrect choices, their expertise is essential.

FAQs-401(k), 403(b), and 457(b) Rollovers  in Wappiners Falls, NY

At Sage Investment Advisers, we help you make smart, tax-efficient decisions when moving your retirement savings. Whether you’re changing jobs or retiring, our fee-only fiduciary advisors in Wappingers Falls, NY provide clear, objective guidance on how to handle your 401(k), 403(b), or 457(b) rollover safely and strategically.

  • What is a rollover?

    A rollover allows you to move money from your employer-sponsored retirement plan (like a 401(k), 403(b), or 457(b)) into another qualified retirement account — typically an Individual Retirement Account (IRA) — without triggering taxes or penalties when done correctly.

  • When should I consider rolling over my retirement account?

    You may want to consider a rollover when:


    • You leave or change jobs

    • You retire and no longer contribute to your employer plan

    • You want more investment options or lower fees

    • You need consolidated management of multiple accounts

    Our fiduciary advisors will evaluate whether a rollover truly benefits you or if leaving funds in your current plan makes more sense.

  • What’s the difference between a 401(k), 403(b), and 457(b)?

    • 401(k): Offered by private-sector employers.

    • 403(b): Offered by public schools, hospitals, and certain nonprofits.

    • 457(b): Typically for government employees or certain nonprofit workers.

    Each plan has unique rules for contributions, withdrawals, and rollovers. Sage helps you navigate these distinctions to ensure your transition is seamless and compliant.

  • What are my options when leaving a job?

    You generally have four choices:


    1. Leave the money in your former employer’s plan.
    2. Roll it over into your new employer’s plan (if available).
    3. Roll it into an IRA for greater control and investment flexibility.
    4. Cash out — which may trigger taxes and penalties.

    We’ll help you weigh the pros and cons of each option to find the strategy best aligned with your goals.

  • Can I meet with you virtually or only in person?

    Both! You can visit our Wappingers Falls office for a face-to-face consultation or meet with us virtually via secure online meetings — whichever is more convenient for you.

  • How do I schedule a consultation?

    You can schedule your complimentary consultation by:



    Our team will reach out to confirm your appointment and help you prepare any materials needed for your first meeting.

  • Will I pay taxes on my rollover?

    Not if it’s done correctly. A direct rollover (from plan to IRA) is tax-free. An indirect rollover, where funds are paid to you first, can trigger taxes and penalties if not redeposited within 60 days. Sage ensures your rollover is handled properly to avoid unnecessary costs.

  • Do you receive commissions for recommending rollovers?

    No. Sage is a fee-only fiduciary firm, meaning we do not earn commissions or incentives from investment products. All recommendations are 100% objective and designed to serve your best interests.

  • Can you manage my IRA after the rollover?

    Yes. Once your funds are transferred, we can provide ongoing investment management and retirement planning. This includes portfolio construction, risk management, and income strategy design — all tailored to your retirement goals.

  • Can I roll over a Roth 401(k) or 403(b)?

    Yes. Roth accounts can be rolled into a Roth IRA to preserve their tax-free growth potential. However, traditional (pre-tax) funds must go into a traditional IRA — not a Roth — unless you choose to convert and pay taxes on the amount. We’ll help you determine which path is right for you.