401(k) Rollover | FBS Securities
Make the Most of Your Retirement Savings
When you leave an employer, you don’t have to leave your retirement savings behind. A 401(k) rollover allows you to move funds from your old employer’s retirement plan into an IRA or another qualified retirement account, keeping your money in your control and your strategy aligned with your future goals. At FBS Securities, we specialize in guiding business owners, entrepreneurs, and high earners through the rollover process. As a fiduciary Registered Investment Advisor (RIA), we deliver boutique investment and retirement solutions that help you protect your wealth, minimize taxes, and grow your savings with confidence.
What Is a 401(k) Rollover?
A 401(k) rollover is the process of moving funds from one retirement account into another. Common situations where rollovers occur include:
- Changing jobs.
- Retiring and consolidating accounts.
- Seeking more investment flexibility than an employer plan offers.
- Reducing fees and improving account management.
The rollover process allows you to maintain the tax-deferred or tax-free status of your retirement savings while giving you more control over how and where your money is invested.
Benefits of a 401(k) Rollover
Rolling over your 401(k) can deliver multiple advantages, especially for high earners and business owners:
- More Investment Options
Employer-sponsored 401(k) plans often limit your choices to a small menu of funds. A rollover to an IRA expands your options to include stocks, bonds, ETFs, mutual funds, and alternative investments.
- Consolidation of Accounts
If you’ve worked at multiple companies, you may have several old 401(k) accounts. Rolling them into a single IRA makes management easier and helps ensure you have a clear strategy.
- Lower Fees
Employer plans can carry hidden administrative or investment fees. IRAs often provide lower-cost options, helping preserve more of your money for growth.
- Greater Flexibility
With an IRA, you control when and how you make changes, allowing you to align investments with your specific goals and risk tolerance.
- Continued Tax Benefits
A rollover maintains the tax advantages of your retirement account, whether traditional (tax-deferred) or Roth (tax-free growth and withdrawals).
401(k) Rollover Options
When you roll over your 401(k), you have several choices:
- Traditional IRA – Funds remain tax-deferred, and withdrawals in retirement are taxed as income.
- Roth IRA – You can convert pre-tax dollars into Roth contributions, paying taxes now in exchange for tax-free growth and withdrawals later.
- New Employer’s 401(k) – If your new employer offers a strong plan, rolling into it can keep everything consolidated.
At FBS Securities, we help you evaluate the best rollover strategy for your financial situation, balancing tax implications, long-term growth, and estate planning considerations.
Potential Pitfalls to Avoid
While rollovers can be beneficial, they must be executed carefully to avoid costly mistakes. Common pitfalls include:
- Taking a Cash Distribution – Withdrawing funds instead of rolling them over can trigger taxes and penalties.
- Missing the 60-Day Rule – If you receive a distribution check, you must deposit it into a new account within 60 days or face penalties.
- Ignoring Tax Consequences – Converting to a Roth IRA can create an immediate tax bill if not properly planned.
- Overlooking Fees – Some IRAs may carry higher investment costs than anticipated without fiduciary oversight.
Our role as fiduciaries is to guide you through these details, ensuring your rollover is executed smoothly and in your best interest.
Why Choose FBS Securities for Your 401(k) Rollover?
Executing a rollover is more than a paperwork process, it’s a critical financial decision. At FBS Securities, we deliver:
- Fiduciary Guidance – Our only goal is to serve your best interest.
- Boutique Service – High-touch, personalized support tailored to your goals.
- Tax-Efficient Strategies – Coordination with tax professionals to minimize liabilities.
- Comprehensive Wealth Planning – Integrating your rollover into your broader investment and retirement strategy.
- Ongoing Management – We don’t just set up your account; we manage and adjust it as your life evolves.
With us, your 401(k) rollover becomes a powerful step toward long-term financial independence.
Serving Clients Across Texas
We proudly deliver 401(k) rollover strategies and advanced retirement solutions for clients across Texas, including:
- Westlake
- Hunters Creek Village
- Piney Point Village
- Highland Park
- West Village
- Bunker Hill Village
- West University Place
- Frisco
- Plano
- Allen
- McKinney
Wherever you are in Texas, our team is ready to deliver hands-on fiduciary guidance.
The FBS Securities Advantage
Choosing to roll over your 401(k) is an opportunity to put your retirement savings to work in smarter, more strategic ways. At FBS Securities, we stand apart because we offer:
- Fiduciary Responsibility – Always putting your goals first.
- Advanced Wealth Strategies – Designed specifically for business owners and high earners.
- Holistic Planning – Coordinating rollovers with tax, retirement, and estate goals.
- Personalized Attention – Boutique solutions that evolve as your goals change.
We don’t just help you roll over your account—we help you build a strategy that strengthens your future.
Take Control of Your Retirement Savings
A 401(k) rollover is more than a financial transaction, it’s a chance to align your retirement assets with your long-term vision. With the right fiduciary guidance, your retirement savings can be positioned for growth, protection, and peace of mind.
Consult with us today: 214-307-4320
Visit our office: 3900 S Stonebridge Dr., Suite 1104, McKinney, TX 75070.
At FBS Securities, we put in place wealth strategies built for business owners and high earners. Let us show you how a 401(k) rollover can become the foundation of your financial independence.
FAQ
401(k) for Small & Medium Businesses
Not anymore. Years ago, 401(k) plans were seen as something only large corporations could afford. Today, many providers offer low-cost plans tailored to small businesses, with setup fees often in the hundreds, not tens of thousands. The real expense comes from employer contributions, but even those are flexible—you decide how much to match (if at all).
Most of the heavy lifting is handled by the plan provider (Third Party Administrator/TPA). That includes recordkeeping, compliance testing, annual filings, and employee statements. As the employer, your role is mainly to:
- Choose plan features (like matching contributions or vesting schedules).
- Submit employee and employer contributions on time.
- Share the required plan information with employees.
With modern platforms, running a 401(k) is about as simple as running payroll.
Businesses get several breaks for starting and running a 401(k):
- Startup credits: Eligible businesses can claim a credit of up to $5,000 per year for the first three years to cover setup and administrative costs. If you add automatic enrollment, you may qualify for an additional $500 per year.
- Employer contributions: Any money you put in as a match or profit-sharing is tax-deductible.
- Reduced taxable income: The deductions help lower your company’s overall tax bill.
Absolutely. As the owner, you’re not just the sponsor, you’re also a participant. You can contribute as an employee (up to $23,500 in 2025, plus $7,500 catch-up if over 50), and your company can add profit-sharing on top of that. That means owners can save nearly $70,000 per year (not counting catch-ups) tax-deferred while reducing their own taxable income.
Retirement benefits are one of the first things job seekers look for. A 401(k) shows that your company invests in employees’ futures and not just their paychecks. Offering one:
- Makes your job offers more competitive.
- Improves retention, since employees are less likely to leave if they’re vested in matching contributions.
- Builds loyalty and trust by showing you care about long-term financial security.
Yes. Providers now offer “turnkey” 401(k) plans designed specifically for small and mid-sized employers. Many charge flat fees or per-employee rates instead of complex, layered pricing. Online dashboards also make setup and management simple. Some providers even bundle in extras like payroll integration to make it seamless.
- “They’re too expensive.” Not true. Low-cost options exist.
- “They’re too complicated.” Today’s providers automate most of the process.
- “Only big companies offer them.” Small businesses are actually the fastest-growing segment adding 401(k)s.
- “I’ll have to match contributions.” Employer contributions are optional. You set the rules. You have the flexibility to offer a match, or not, and can change the formula as your business grows.
Yes, and recent rule changes are expanding access. Generally, employees working at least 500 hours per year for two consecutive years must be allowed to join starting in 2025. You can also choose to include part-timers earlier if you’d like to be more generous.
That depends on the formula you choose. A common setup is “dollar-for-dollar up to 3% of pay.” For example, if an employee earns $50,000 and contributes at least 3%, your cost is $1,500 for that year.
You can also do tiered matches (e.g., 100% on the first 3%, then 50% on the next 2%) or even a profit-sharing contribution instead of a match. The key is: you’re in control of how much you want to spend.