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The Alemian File: Episode 11- How to Roll Over Your 401k

By David Alemian

Rolling over a 401(k) into an IRA is easy, and here is how you can do it.  Roll over your 401(k) into an IRA using an equity indexed annuity.  Do not roll over your 401(k) into a mutual fund, because the next time the market crashes you could lose money.

Equity indexed annuities provide you with safety and a reasonable rate of return for your money.  As the market goes up, your money goes up with it; and when the market goes down, your money is protected, and you don’t lose money.

Equity indexed annuities are issued by life insurance companies. There are many different equity indexed annuities on the market.  Get help from a life insurance agent who is experienced with equity indexed annuities so you select the right equity indexed annuity for you.

A word of caution: avoid variable annuities.  Variable annuities, can expose your money to market risk and high fees.

My wife and I personally own two equity indexed annuities.  She needed to roll over two different 401(k)s into IRAs.  Our goal was to have her IRA money grow over the long-term, without the risk of market loss, and for that, an equity indexed annuity was the ideal tool.

Here is a simple step by step way to roll over your 401(k) money into an IRA using an equity indexed annuity:

  1. Get a recent statement for your 401(k) account.
  2. Contact a life insurance agent who is experienced with equity indexed annuities.
  3. Tell the agent you wish to roll over a 401(k) into an IRA using an equity indexed annuity. The more information you give the agent the better he or she will be able to help you.

The most important part of this process is finding an agent you trust.   Once you find your agent, the rest is easy, because a good agent will do just about everything for you.  That’s all there is to it, it’s as easy as 123.

If you have questions send an email to David@TheAlemianFile.com.

One last thing, I have a special invitation for you.

On Wednesday, March 30th, 8:00 PM Eastern time, 5:00 PM Pacific, save the date!!!

My friends at Next Generation Trust Services are presenting a live webinar on self-directed IRAs.  I’ll be on the webinar too, talking about the Seven Retirement Killers™.  We’ll have a live open question and answer period, and you can ask me any question about retirement you like.  It’ll be a great opportunity for us to interact together in a live open forum.  You can register right here at the bottom of this page.

In the meantime, check out and “LIKE” The Alemian File Facebook page, or simply go to www.theAlemianfile.com.   Absolutely, make sure you come back here next week for another edition of The Alemian file.

Please register for “How to Avoid the 7 Retirement Killers™ Webinar” and Self-directed IRAs on March 30, 2016 8:00 PM EDT and 5:00 PM Pacific,

Click on the link to register. https://attendee.gotowebinar.com/register/1107679172834399748


About David Alemian

Successfully creating affordable retirement plans guaranteed to last a lifetime is a unique, specialty skill. It’s a challenging arena but respected writer David Alemian makes it look easy. Alemian is a leading retirement expert and nationally recognized authority whose expertise is shared via video columns, numerous journals, and talk-shows.

His national recognition results from both revolutionizing and revitalizing how organizations and individuals like you and me plan and save for retirement. Alemian is considered “The Go-To Guy” for creating and implementing absolutely irresistible, lifetime retirement pension programs.

Formerly the host of “It’s About Money” Radio Show, Alemian has also produced and is featured in over 200 financial education videos. Additional content can be found in many well-respected, publications including: MD Magazine, Physician’s Money Digest, Physicians Practice, Journal of Clinical Oncology, Consultant Live, Psychiatric Times, Cancer Network, OB/GYN.net, and The Healthcare Executives Network.


This article reflects the thoughts and opinions of the author and is being provided for educational and informational purposes only. It should not be considered financial or tax advice. Please consult your financial or tax advisor about your situation.