In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down one of the most common retirement planning questions: What should you do with your old 401(k) after leaving a job?

Jim and Casey walk through the four primary options — leaving it with your former employer, rolling it into a new employer’s plan, transferring it to an IRA, or cashing it out. They explain the pros and cons of each choice, including tax implications, investment flexibility, fees, and long-term planning considerations.

This episode helps listeners understand how to make an informed decision that aligns with their broader retirement goals, rather than defaulting to a choice without fully understanding the impact.

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00:00 Introduction: The old 401(k) dilemma

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