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TGA Capital Management ~ 25 Braintree Hill Office Park, Braintree, MA 02184
mgreen@tgacapitalmanagement.com ~ 508-224-9646
Have you just experienced a job change in your career path?
Don’t leave your past employer 401k plan dormant.
Roll over your old 401(k)
Rolling over an old workplace retirement plan, such as a 401(k), is easy with TGA Capital Management.
The benefits of rolling with TGA Capital Management can include – multiple institutional custodians & unlimited investment options with – Vanguard, Fidelity, Schwab, without commissions or transaction fee’s (provided in our core list of funds option(s).
Help building a plan that keeps up with a changing market and can adapt as your needs change
The opportunity to monitor old 401(k) savings as part of your whole retirement plan
A wide range of investment options including mutual funds, stocks, bonds, ETFs, and CDs, plus help choosing them
An easy-to-follow rollover process, with access to a specialist along the way
We're here to help
Our rollover specialists are here for you. Call us, chat with an investment professional, or visit our website for more detailed information.
Our website is; www.tgacapitalmanagement.com or call us direct 508-224-9646.
Commonly asked questions about 401(k) rollovers
GENERAL
How do I roll over my retirement plan savings into a TGA Capital Management IRA®? Just contact us and we’ll do the heavy lifting and discuss your personal financial attributes and risk/averse concern’s.
How long does a rollover take? About 14 business days.
Made out to Charles Schwab & Co., Inc. / TGA Capital Management, P.O. Box 2380, Manomet MA 02345.
Can my money be wired directly into my TGA Capital Management / Charles Schwab & Co,Inc. IRA?
Yes, all contributions can be deposited and withdrawn via electronic transfer & wire.
Do I have to select specific investments for my IRA right away?
No, but the sooner we start setting up your newly arranged TGA Capital Management, at Charles Schwab & Co, Inc., your institutional account custodian, your customized account, will likely begin seeing some prosperity
Our Website under the tab, our brochure takes you to all our on-line account forms. Need help, let us know.
MINIMUMS, COSTS, AND FEES~ TGA CAPITAL MANAGEMENTIS A FEE-ONLY, REGISTED INVESTMENT ADVISOR. WE DO NOT RECOMMEND NOIR ACCEPT ANY COMMISSION IN THE WORK THAT WE DO FOR YOU. WE PROVIDE AN EASY TO READ, UNDERSTANDABLE FEE-SCHEDULE AND A LOWER ON-LINE ADVISORY SCHEDULE, LOWER THAN MOST OTHER PROVIDER. VISIT OR CLICK HERE FOR MORE INFORMATION; OR CLICK ON THE FOLLOWING LINK; HTTPS://SITES.GOOGLE.COM/SITE/TGAGIA/SERVICES
How much money do I need to open a TGA Capital Management / Schwab IRA?
You can invest in any Vanguard Target Retirement Fund with as little as $1,000.
How much does it cost to roll over my savings into a TGA capital Management/Schwab IRA?
TGA Capital Management doesn't charge any processing fees for rollovers. But depending on the investments you choose, there may be certain transaction or brokerage costs, which we keep as low as possible. Call us at 508-224-9646 to find out what costs may apply to your specific situation.
ROLLOVERS AND ASSET TRANSFERS
What's the difference between a rollover and an asset transfer?
What's the difference between a rollover and an asset transfer?
The main difference between a rollover and an asset transfer is where the money is held before it's moved to Schwab. If you're moving money to Schwab from:
An employer-sponsored plan, such as a 401(k) or 403(b), you can initiate a rollover—typically, when you change jobs or retire. When you roll over retirement plan assets, you're moving them from a group plan into an IRA (which generally offers greater investment flexibility) and a non-commission account.
An IRA at another financial institution, you can initiate an asset transfer, tax-free. You can also transfer securities held in a brokerage IRA at another financial institution into your TGA capital Management Account/Brokerage IRA.
Can I roll over my employer-sponsored retirement plan assets into a Vanguard IRA?
Yes. You can roll over almost any type of employer-sponsored retirement plan, such as a 401(k) or 403(b), into a TGA Capital Management / Schwab IRA.
Can I transfer any additional IRA savings I may have outside of my employer-sponsored retirement plan into a TGA Capital Management / Schwab IRA?
Yes. You can move any IRA money you have saved outside of your employer-sponsored plan into a TGA Capital Managed Account / Schwab IRA through an asset transfer.
Can I roll over my retirement plan assets into a Roth IRA?
If you have a Roth 401(k) or 403(b), you can roll over your money into a Roth IRA, tax-free.
If you have a traditional 401(k) or 403(b), you can roll over your money into a Roth IRA. However, this would be considered a "Roth conversion," so you'd have to report the money as income at tax time and pay ordinary income tax on it.
Once I roll over my retirement plan assets into a Vanguard IRA, can I make additional contributions to my account?
Yes, you can make contributions to your IRA, subject to the IRS annual contribution limits ($5,500 for the 2016 tax year, $6,500 if you're age 50 or older). But you must keep Roth IRA and traditional IRA money separate.
Just remember that once you add money to your rollover IRA, you may not be able to roll the account into a future employer's plan.
Can I keep the same funds I have in my retirement plan?
Yes. Call us at 508-224-9646 and we can help you reinvest in the funds you already have
WITHDRAWALS
Can I take money out of my IRA before I reach retirement?
General
What's a rollover?
A rollover is when you move the assets in an employer-sponsored retirement plan, such as a 401(k) or 403(b), into an IRA.
How do I roll over my retirement plan savings into a TGA Capital Managed / Schwab IRA®?
You start by deciding what type of IRA is best for you and choosing your investments. You'll then call the financial company that holds your former employer's retirement plan and have your savings moved into a your TGA Capital Managed Account or just call us at 508-224-9646.
Call us at 508-224-9646 and one of our rollover specialists will walk you through the steps. Or you can start filling out the paperwork online.
We will send you “Follow the step-by-step rollover process.” Or just call us, were here to help.
How Long does a rollover take?
Rollovers typically take 2 to 3 weeks to complete.
Find details in each fund's profile
Other companies' funds may have different minimums, so be sure to check their prospectuses. And like ETFs, minimums for individual stocks, CDs (certificates of deposit), and bonds are based on their current market prices.
With this in mind, were here to provide prudent, low cost advisory, working for you, in your best interest, so find out the difference an RIA can make for you.
Sincerely,
Michael D. Green,
A Registered Investment Advisory
Mgreen@tgacapitalmamanagement.com
TGA Capital Management
1.508.224.9646
This is not a solicitation nor recommendation to buy or sell a securities nor to imply any tax or legal advice, always seek a registered investment advisor to attain your risk/averse attitude and investment suitability before investing. All information is considered accurate and reliable, however, due to changing market, economic, taxation, institutional, and other pertinent potential cycles and variations, future results cannot be guaranteed by past performance and should be monitored on a continual periodic systematic basis to provide current advisory recommendations that meets the client short-term potential deviations and management disciplined style, while advisory provides solely long-term recommendations. Confidentiality Notice. The information in this e-mail and any attachments is confidential and may be privileged or protected by other rules, including but not limited to the Electronic Communications Privacy Act, 18 U.S.C. §§ 2510-2521. It is intended solely for the addressee(s). Access to this e-mail by anyone other than the addressee(s) is unauthorized. If you are not the intended recipient, you are not authorized to and therefore must not disclose, copy, distribute or retain this message or any part of this message.
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