Fiduciary Guidance When Leaving an Employer Retirement Plan

401(k) rollover planning is designed for individuals who are changing jobs, retiring, or otherwise leaving an employer-sponsored retirement plan and want objective guidance before making a permanent decision.

At Holland Capital Management, we help clients understand their rollover options, evaluate trade-offs, and make informed decisions aligned with their broader financial picture, without product pressure or sales incentives.

This service may be appropriate if you are:

  • Leaving an employer or planning to retire
  • Unsure whether to roll a 401(k) into an IRA or a new employer plan
  • Concerned about fees, investment limitations, or plan restrictions
  • Seeking a second opinion before initiating a rollover

What 401(k) Rollover Planning Covers

This engagement focuses specifically on evaluating your available rollover options, including:

  • Review of your existing 401(k) plan structure
  • Analysis of fees, investment limitations, and administrative constraints
  • Comparison of available rollover alternatives
  • Discussion of tax considerations and timing
  • Clear planning guidance, not product sales or commissions

 

The objective is to help you understand the implications of each option before taking action.

Our Fiduciary Approach

Holland Capital Management operates under a fiduciary standard. This means:

  • Advice is provided in your best interest, consistent with our fiduciary obligations
  • Compensation is transparent
  • No proprietary products or rollover incentives
  • Planning precedes any implementation discussion

We routinely work with individuals who have received conflicting or time-sensitive rollover messaging. Our role is to slow the process down and provide clarity.

Who This Is Typically For

401(k) rollover planning is commonly used by:

  • Professionals changing employers
  • Individuals approaching or entering retirement
  • Business owners exiting a company
  • Participants with multiple legacy retirement accounts

You do not need to move assets or become an ongoing client to engage this service.

What the Process Looks Like

  • Introductory conversation to understand your situation
  • Review of your current 401(k) plan details
  • Analysis of rollover options and considerations
  • Discussion outlining tradeoffs and next steps

There is no obligation to implement any recommendation.

How This Fits Into Broader Planning

Rollover decisions can affect:

  • Long-term tax efficiency
  • Retirement income planning
  • Investment flexibility
  • Estate and beneficiary planning

For some individuals, this service is standalone. For others, it becomes the foundation for more comprehensive financial planning.

Can Holland Capital Management Help You Achieve Your Goals?  Schedule a complimentary, no-obligation second opinion. 

 

Let’s Talk 

Locations Where 401(k) Rollover Planning Is Offered

Holland Capital Management provides 401(k) rollover planning to clients in the following cities and regions:

401(k) Rollover Planning for Allergists

401(k) Rollover Planning for Audiologists

401(k) Rollover Planning for Geneticists

401(k) Rollover Planning for Hospitalist

401(k) Rollover Planning for Infectious Disease Specialists

401(k) Rollover Planning for Neonatologists

401(k) Rollover Planning for Neurosurgeon

401(k) Rollover Planning for Nurse Anesthetist

401(k) Rollover Planning for Nurse Practitioner

401(k) Rollover Planning for Obgyn

401(k) Rollover Planning for Oncologist

401(k) Rollover Planning for Ophthalmologist

401(k) Rollover Planning for Optometrist

401(k) Rollover Planning for Orthodontists

401(k) Rollover Planning for Orthopedic Surgeons

401(k) Rollover Planning for Pathologists

401(k) Rollover Planning for Pediatricians

401(k) Rollover Planning for Periodontists

401(k) Rollover Planning for Pharmacists

401(k) Rollover Planning for Physiatrists

401(k) Rollover Planning for Physician

401(k) Rollover Planning for Physician Assistants

401(k) Rollover Planning for Plastic Surgeons

401(k) Rollover Planning for Podiatrists

401(k) Rollover Planning for Psychiatrists

401(k) Rollover Planning for Psychologists

401(k) Rollover Planning for Pulmonologist

401(k) Rollover Planning for Radiation Oncologists

401(k) Rollover Planning for Radiologists

401(k) Rollover Planning for Registered Nurses

401(k) Rollover Planning for Rheumatologists

401(k) Rollover Planning for Speech Language Pathologist

401(k) Rollover Planning for Urologists

Getting Started

If you’re considering a 401(k) rollover and want fiduciary guidance before making a decision, the first step is a brief conversation to determine whether this service is appropriate for your situation.