Roll Over Your Retirement The Right Way
Transitioning your 401(k) or 403(b) to an index annuity or Indexed Universal Life (IUL) doesn't have to be complicated. Sonya makes the process seamless, stress-free, and completely free of charge.
What Is a 401(k)/403(b) Rollover?
A rollover is the process of moving funds from an employer-sponsored retirement plan — like a 401(k) or 403(b) — into another qualified retirement vehicle, such as an index annuity, fixed index annuity, or Indexed Universal Life (IUL) policy.
When done as a direct rollover, your money moves directly from one custodian to another. This means:
- It is NOT a taxable event — you won't owe any taxes on the transfer
- There are NO fees charged for the rollover process
- Your funds maintain their tax-deferred status
- You don't take possession of the money, so there's no risk of penalties
Why Consider a Rollover?
Principal Protection
Index annuities protect your principal from market downturns while still offering growth potential.
Growth Potential
Earn interest linked to market index performance without directly investing in the market.
Guaranteed Income
Create a reliable income stream for retirement that you can't outlive.
Legacy Planning
Universal life insurance provides a tax-free death benefit for your loved ones.
The Rollover Process: Step by Step
Sonya makes the entire process seamless. Here's exactly what to expect.
Free Consultation
Schedule a no-obligation call with Sonya. She'll review your current 401(k) or 403(b), understand your goals, and answer all your questions.
Account Review & Recommendation
Sonya reviews your account details and recommends the best rollover option — whether that's an index annuity, fixed index annuity, or Indexed Universal Life (IUL).
Paperwork & Processing
Sonya handles all the paperwork. She coordinates directly with your current plan custodian to initiate the direct rollover. You don't have to lift a finger.
Guided Transfer
Sonya guides you through the entire transfer process. Your funds move from your old account to your new one with no taxes and no fees — everything stays tax-deferred.
Confirmation & Ongoing Support
Once the rollover is complete, Sonya confirms everything is in order and remains available for ongoing questions and annual reviews.
$0
Fees for Rollovers
The process is completely free
$0
Taxes on Direct Rollovers
Not a taxable event
100%
Handled by Sonya
Seamless, stress-free process
Frequently Asked Questions
Disclaimer: The information on this page is for educational purposes only and does not constitute financial, tax, or legal advice. Rollovers may not be appropriate for everyone. Please consult with a qualified tax professional or financial advisor regarding your specific situation. Annuities and life insurance products are not FDIC insured, are not bank guaranteed, and may lose value. Guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.
Ready to Explore Your Rollover Options?
Schedule a free, no-pressure consultation to review your retirement accounts.