401(k) & IRA Rollovers

Helping Houston clients simplify and maximize retirement accounts

When you change jobs or retire, you have several options for your existing employer retirement plan—such as a 401(k), 403(b), or 457 account. You can typically leave the funds in your current plan, move them to a new employer’s plan, roll them over to an IRA, or take a cash distribution (which may have tax implications).



At Synergy Wealth Management, our Houston financial advisors help you evaluate each of these options to determine what best supports your long-term goals. Whether that means keeping your existing plan or exploring a rollover, we’ll work with you to align your retirement strategy with your broader financial plan.

Why Consider a Rollover?

Clear Benefits to Consolidating Accounts

Rolling over your retirement accounts is about more than convenience. Benefits include:

  • Simplifying multiple accounts into one easy-to-manage plan
  • • Gaining access to broader investment options than many employer plans provide
  • Potentially lowering fees compared to high-cost workplace accounts
  • Keeping your retirement aligned with your personal goals, not your former employer’s plan options
  • Avoiding money being left behind or underperforming in outdated accounts


Many people hesitate because they worry about taxes or losing benefits. Our team ensures that every rollover is done correctly, so you don’t pay unnecessary penalties.

Our Rollover Services

A Step-by-Step Approach Made Simple

Synergy Wealth Management guides you through the entire rollover process:


  1. Reviewing your current 401(k), 403(b), 457, or TSP accounts
  2. Comparing all available options—stay in your plan, roll to an IRA, or move into a new employer’s plan
  3. Handling the paperwork and coordinating with custodians
  4. Managing your rolled-over assets inside a customized portfolio built for your retirement


We make the process easy, efficient, and stress-free.

403(b) and 457 Plans for Educators

Specialized Guidance for Teachers and Public Servants

Educators often build retirement savings in 403(b) or 457 plans alongside their TRS pension. When changing districts or retiring, many wonder whether to leave funds in the plan or roll into an IRA. Our advisors have deep experience with the unique challenges educators face, helping Houston teachers make confident rollover decisions that maximize retirement benefits.

IRA Rollover Strategies

Tailored Advice Beyond the Basics

Not all rollovers are the same. We help you evaluate:

  • Traditional vs. Roth IRAs – understanding potential tax benefits of a Roth conversion
  • Consolidating multiple IRAs – streamlining accounts for easier oversight
  • Spousal and inherited IRA rollovers – navigating rules after the death of a spouse or loved one

By aligning rollover decisions with your bigger retirement strategy, we help ensure long-term tax efficiency and flexibility.

Avoiding Tax Pitfalls

Expertise That Prevents Costly Mistakes

Improper rollovers can lead to unexpected taxes and penalties. Our advisors follow best practices, including direct custodian-to-custodian transfers, to keep your accounts compliant. We also help you avoid the IRS 60-day rule traps that can cost thousands if mishandled. With Synergy, you can be confident your money moves the right way.