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Home » Expat Financial Planning Services » Pension Transfer Services » 401(k) Rollover

401(k) Rollover Service

401(k) Rollover Options as an American Expat

Our 401(k) rollover service helps American expats transition retirement savings into options like Traditional or Roth IRAs. Whether you have a past employer’s 401(k) or an active retirement plan, our experts provide cross-border guidance and personalised solutions to maximise your retirement income as an expat. Start exploring your options with a complimentary review today.

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Benefits of a 401(k) Rollover

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Consolidate
to Simplify

Rolling over your 401(k) allows you to combine accounts into one cost-effective, easy-to-manage IRA, helping you reduce fees and simplify account management.

Expand Your
Investment Options

401(k) accounts typically limit investment choices to mutual funds. An IRA offers broader investment options, allowing you to diversify your portfolio further.

Enjoy Tax-Free
Transfers

Moving funds from a 401(k) to an IRA can be done without tax implications, allowing your retirement savings to grow tax-deferred until withdrawal.

Reduce Fees
and Charges

401(k) participants often face average fees of 2.22%. Transitioning to an IRA may reduce costs and potentially lower fund fees and administrative charges.

Access Ongoing
Financial Advice

401(k) accounts offer limited flexibility and often lack advisory support. An IRA provides access to ongoing financial advice, helping you plan effectively.

Flexibility to
Convert to a Roth

An IRA rollover allows for conversion to a Roth account, which can offer significant tax advantages now or in the future, with tax-free withdrawals.

Invest in
Multiple Currencies

As an American expat, an IRA may allow you to invest in a currency aligned with your residence or retirement destination, adding financial flexibility.

Secure Your Legacy
with Estate Planning

Unlike 401(k)s, IRAs offer more payout options upon death, which may reduce tax burdens for your beneficiaries and support better estate planning.

Why Titan Wealth International?

US Expat Expertise

Our advisers specialise in serving American expats, holding multi-regulatory licences to navigate cross-border financial challenges. We offer tailored, fee-transparent advice to help manage retirement savings effectively abroad.

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Comprehensive 401(k) Rollover Advice

We provide expert support on 401(k) rollovers, covering all aspects including benefits, fees, and tax implications, ensuring you’re informed to make the best decisions for your retirement.

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Personalised Retirement Planning

We offer tailored retirement planning based on your unique financial situation, goals, and lifestyle plans. No one-size-fits-all approach—just guidance that aligns with your vision.

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Transparent and No-Obligation Advice

Enjoy free, no-obligation consultations where we prioritise transparency, offering straightforward advice and clear fee structures to support informed decisions on a 401(k) rollover.

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Common 401(k) Rollover Queries

I can't manage my 401(k) from overseas easily.

401(k) rollover

I'm worried about penalties if my US firm finds out I've moved abroad.

401(k) rollover

I'm worried about the tax implications of my 401(k).

401(k) rollover

I feel limited by the investment options in my 401(k).

401(k) rollover

I'm unsure how to plan my retirement as an expat.

401(k) rollover

I'm concerned about the high fees of my 401(k).

401(k) rollover

401(k) vs 401(k) Rollover

401(K) Managed Overseas
401(K) Rollover Into an IRA

Management: Managing a 401(k) from overseas can be challenging due to time zone differences and potential communication barriers with the account provider.

Management: With a rollover into an IRA, you can manage your retirement savings more easily from anywhere in the world. Our financial advisery firm specialises in assisting expats, providing personalised advice to help you manage and optimise your account.

Investment Options: 401(k) plans often have limited investment options, typically restricted to the mutual funds offered by the plan provider.

Investment Options: An IRA typically offers a wider range of investment options, allowing you to diversify your portfolio and potentially navigate market fluctuations better.

Fees: 401(k) plans can have high fees, which can eat into your retirement savings over time.

Fees: IRAs often have lower fees than 401(k) plans, helping you save more for your retirement.

Penalties: If your US firm discovers you’ve relocated overseas, you may face a tight 60-day window to find a solution for your investments before incurring a 10% charge on the entire account, along with Capital Gains Tax.

Penalties: With careful planning and advice, a rollover can be done in a way that avoids early withdrawal penalties.

Tax Implications: Withdrawals before the age of 59.5 are typically subject to a 10% early withdrawal penalty in addition to regular income tax.

Tax Implications: Rollovers can be done in a way that maintains the tax-deferred status of your retirement savings. Plus, with an IRA, you have the option to convert to a Roth IRA, where withdrawals in retirement can be tax-free.

Download Our 401(k)/IRA Rollover Benefits Guide

Considering a 401(k) or IRA rollover? This guide highlights the key advantages of rolling over your retirement savings. From consolidating accounts and reducing fees to accessing broader investment options, a rollover can help you simplify and optimise your financial future.

  • The key benefits of rolling over your 401(k) or IRA.
  • Potential drawbacks to consider before making the move.
  • Real-life case studies showcasing successful 401(k) rollovers.
Download Guide

How Our Service Works

Book a free, no-obligation 15-minute call with one of our 401(k) rollover experts. They will explain the benefits of a 401(k) rollover, discuss the possible options for you, and outline the pros and cons of the rollover process.

On your behalf, we will contact your 401(k) plan provider and gather all of the information specific to your 401(k).

Once we receive information specific to your 401(k), we will discuss your financial situation and personal objectives for retirement. To do this, we will:

  • Help you answer a financial questionnaire to understand your financial situation precisely.
  • Listen to your plans for the future, what financial security represents for you, where you plan on living, and how much you expect to spend.

We will provide you with a free 401(k) rollover assessment report that considers all the information from your 401(k) and current situation. The report will include:

  • A future projection status of your entire financial asset base.
  • A clear comparison of projected income streams between your “current” arrangements and the “options” available.
  • Our expert advice on whether or not you should proceed with a 401(k) rollover.

If a rollover is recommended, and you accept our recommendations, we will manage all aspects of the rollover for you. If not, you walk away without paying a dollar.

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Book Your Complimentary 401(k) Rollover Review

During your 15-minute complimentary call, you’ll:

  • Discover the potential benefits of a 401(k) rollover.
  • Identify the best rollover option suited to your needs.
  • Understand the pros and cons tailored to your circumstances.

Schedule your no-obligation review today.

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Featured Article

401K Rollover to IRA: Essential Guide for US Expats in the UK

This 401K Rollover to IRA guide covers everything you need to know about making the right rollover choice, the tax implications, and how to secure your financial future as a US expat in the UK.

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401(k) Rollover FAQs

Yes, you can continue to contribute to your 401(k) while living abroad, as long as you are still employed by the company that sponsors the 401(k) plan. However, if you are earning income in a foreign country and claiming the Foreign Earned Income Exclusion, that excluded income cannot be contributed to a 401(k).

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A 401(k) rollover for an American expat works similarly to a rollover for a resident. You can roll over your 401(k) into an Individual Retirement Account (IRA) without incurring taxes or penalties. This can provide you with more investment options and potentially lower fees. Our financial advisery firm can guide you through the process, and provide ongoing advice.

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Withdrawals from a 401(k) are generally subject to U.S. income tax, regardless of where you live. Additionally, if you make a withdrawal before age 59½, you may also be subject to a 10% early withdrawal penalty. However, the tax treaty between the U.S. and your country of residence may affect how your withdrawal is taxed.

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No, U.S. citizens are taxed on their worldwide income, regardless of where they live. This includes distributions from a 401(k). However, the tax treaty between the U.S. and your country of residence may provide some relief from double taxation.

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If you retire abroad, you can leave your 401(k) in the U.S. and take distributions from it. These distributions will generally be subject to U.S. income tax. Alternatively, you could consider rolling over your 401(k) into an IRA, which may provide more flexibility and investment options. It’s important to consult with a financial adviser to understand the best option for your specific situation.

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