Strategy 01
Should You Roll Over Your 401(k)?
A rollover is not automatically better. We look at the choices, tradeoffs, access, investments, and plan features worth comparing before you move the money.
GradeYour401k
A Kenai Investments Resource
401(k) Strategies
Know Your Plan. Know Your Options.
Your 401(k) can offer more choices than you may realize. This series walks through practical strategies that can affect how you save, invest, access money, and prepare for retirement.
Strategy 02
The Rule of 55
Leaving work in or after the year you turn 55 may create an important 401(k) access option. We show where the rule can fit into an early-retirement plan.
Strategy 03
59½ In-Service Distribution
Some plans may let you move money while you are still working. We show what to look for in your plan and why the option can matter.
Strategy 04
Retiring Early With Rule 72(t)
Rule 72(t) can create a path to retirement-account access before 59½, but the rules are strict. We walk through the planning idea and the tradeoffs.
Strategy 05
Does Your 401(k) Have a Brokerage Window?
Your plan may offer more investment flexibility than the standard fund menu suggests. We show where to look and what a brokerage window may change.
Strategy 06
Traditional or Roth 401(k)?
The contribution choice affects when you pay taxes and the flexibility you may have later. We show the fork in the road and the questions worth asking.
Strategy 07
Can You Put More Into Your 401(k)?
Salary deferrals may not be the whole story. We show where employer contributions, after-tax contributions, and plan limits can create additional opportunities.
Bonus Strategy
NUA and Company Stock
If your 401(k) holds appreciated employer stock, Net Unrealized Appreciation may be worth understanding before you automatically roll everything to an IRA.
Put the Strategy to Work
Which 401(k) strategies actually apply to you?
Start with your free GradeYour401k report, then use the 401(k) Demo page to see what a 30-minute review looks like when we put the information together. If you want to go beyond the account itself, watch our full Retirement Planning Demo to see how your 401(k), spending, Social Security, Roth conversions, RMDs, and survivor planning fit together.
These videos are for educational purposes only and are not individualized investment, tax, or legal advice. Plan provisions vary, so confirm the rules and options available in your specific 401(k).