Confirm your current 401(k) balance and investment options
Decide where you want the money to go
Choose a new account type
Open the new account if needed
Contact your current plan administrator
Request a direct rollover
Provide the receiving account information
Choose direct rollover over indirect rollover
Verify whether your employer requires paperwork
Ask about any fees, restrictions, or waiting periods
Decide whether to roll over pre-tax and Roth balances separately
Confirm how employer stock or after-tax contributions will be handled
Review the tax withholding rules before moving funds
Track the transfer until it is completed
Reinvest the funds in the new account
Keep records of all rollover documents and confirmations