IRA and Roth IRA Rollovers One of the most important financial decisions you can make is what you do with your 401(k) assets when changing jobs or retiring. You need vital information that allows you to make those important decisions so that they'll fit your current situation, investment time-frame, and long-term goals and objectives.Certus Financial Services has the knowledge, experience you can count on and the commitment to do what is right for you and your unique situation.A job change brings the opportunity to review your retirement savings strategy in light of your long-term goals, and to make changes that can improve your overall results. A Rollover Individual Retirement Account (IRA) is an excellent option to consider.Rollover IRAs have features that may be superior to those of your former employer’s qualified plan. For instance, while IRAs enjoy the same tax-deferred compounding as qualified plans, they typically offer a wider range of investment choices, and these could translate into a better retirement plan for you over the long term.If you would like to learn more about the benefits of a Rollover IRA, and discuss the ways you can improve your retirement savings strategy, contact Certus Financial Services to schedule your complimentary consultation.Why roll over your IRA or 401(k)?Don’t lose track of your old 401(k).Make sure you are well diversified and understand your investments.Update your beneficiaries due to life changes, marriages, divorces, etc.Broad range of investments choices. We offer over 230 mutual fund families to choose from.Compare your options.Simplify all your accounts in one place.Take control of your Investments. Disclosure: 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.