{"id":758,"date":"2026-10-10T00:27:04","date_gmt":"2026-10-10T00:27:04","guid":{"rendered":"https:\/\/www.wealthcrafters.org\/?page_id=758"},"modified":"2026-10-10T00:27:26","modified_gmt":"2026-10-10T00:27:26","slug":"401k-rollover-planning","status":"publish","type":"page","link":"https:\/\/www.wealthcrafters.org\/es\/401k-rollover-planning\/","title":{"rendered":"Transferencia de fondos 401(k)"},"content":{"rendered":"<div  class='flex_column av-1jtgj-8b981de77f24d8a60f0e96c0a637e1f6 av_one_full  avia-builder-el-0  el_before_av_one_half  avia-builder-el-first  first flex_column_div'     ><p><div  class='avia-slideshow av-mv09jz2o-c5771da3576d38c56f12e2186a587376 avia-slideshow-no scaling av_slideshow avia-fade-slider  avia-builder-el-1  el_before_av_heading  avia-builder-el-first  av-slideshow-ui av-control-default av-slideshow-autoplay av-loop-endless av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:true,&quot;loop_autoplay&quot;:&quot;endless&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner' style='padding-bottom: 33.333333333333%;'><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__0  slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-755 avia-img-lazy-loading-not-755\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover.png\" width=\"2172\" height=\"724\" title='401k-rollover' alt='401(k) Rollover \u2014 couple reviewing retirement plans'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/div><\/li><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__1  slide-2 slide-even'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-756 avia-img-lazy-loading-not-756\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter.png\" width=\"2172\" height=\"724\" title='plan-your-next-chapter' alt='Plan Your Next Chapter \u2014 retired couple walking through a coastal garden'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/plan-your-next-chapter-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/div><\/li><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__2  slide-3 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-757 avia-img-lazy-loading-not-757\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options.png\" width=\"2172\" height=\"724\" title='understand-rollover-options' alt='Understand Your Rollover Options \u2014 couple discussing retirement with a professional'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/understand-rollover-options-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/div><\/li><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__3  slide-4 slide-even'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-759 avia-img-lazy-loading-not-759\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan.png\" width=\"2172\" height=\"724\" title='retirement-income-plan' alt='Build a Retirement Income Plan \u2014 retired couple enjoying coffee on a garden patio'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-plan-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/div><\/li><\/ul><div class='avia-slideshow-arrows avia-slideshow-controls' ><a href='#prev' class='prev-slide  avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Previous\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewbox=\"0 0 15 32\" preserveaspectratio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>Previous<\/title>\n<desc id='av-svg-desc-1'>Previous<\/desc>\n<path d=\"M14.464 27.84q0.832 0.832 0 1.536-0.832 0.832-1.536 0l-12.544-12.608q-0.768-0.768 0-1.6l12.544-12.608q0.704-0.832 1.536 0 0.832 0.704 0 1.536l-11.456 11.904z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Previous<\/span><\/a><a href='#next' class='next-slide  avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Next\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewbox=\"0 0 15 32\" preserveaspectratio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Next<\/title>\n<desc id='av-svg-desc-2'>Next<\/desc>\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Next<\/span><\/a><\/div><div class='avia-slideshow-dots avia-slideshow-controls'><a href='#1' class='goto-slide active' >1<\/a><a href='#2' class='goto-slide' >2<\/a><a href='#3' class='goto-slide' >3<\/a><a href='#4' class='goto-slide' >4<\/a><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykhby3y-e17ee231e7370f5e9bd7278a03905868\">\n#top .av-special-heading.av-lykhby3y-e17ee231e7370f5e9bd7278a03905868{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykhby3y-e17ee231e7370f5e9bd7278a03905868 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykhby3y-e17ee231e7370f5e9bd7278a03905868 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykhby3y-e17ee231e7370f5e9bd7278a03905868 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykhby3y-e17ee231e7370f5e9bd7278a03905868 av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-2  el_after_av_slideshow  el_before_av_button'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >D\u00e9 a su 401(k) una estrategia de ingresos para la jubilaci\u00f3n<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lyko8mfw-160d965cfe5f8c07ca477ed789c6e7a5-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-3  el_after_av_heading  el_before_av_promobox'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lyko8mfw-160d965cfe5f8c07ca477ed789c6e7a5\">\n@keyframes av_sonarEffect_av-lyko8mfw-160d965cfe5f8c07ca477ed789c6e7a5 {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lyko8mfw-160d965cfe5f8c07ca477ed789c6e7a5.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lyko8mfw-160d965cfe5f8c07ca477ed789c6e7a5 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/15-minute-meeting-retirement-planning'  class='avia-button av-lyko8mfw-160d965cfe5f8c07ca477ed789c6e7a5 av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Programe una revisi\u00f3n de su transferencia de fondos 401(k)\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue82b' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Programe una revisi\u00f3n de su transferencia de fondos 401(k)<\/span><\/a><\/div><br \/>\n<div  class='av_promobox av-lykhmvtz-2bc05bfa518b0cca279c6e4ec00eb36c avia-button-no  avia-builder-el-4  el_after_av_button  el_before_av_hr'><div class='avia-promocontent'><\/p>\n<h3>Conozca una bonificaci\u00f3n del 20% sobre la base de ingresos<\/h3>\n<p>Athene Ascent Pro 10 Bonus es una anualidad indexada fija que ofrece, desde el primer d\u00eda, una <strong>bonificaci\u00f3n del 20% sobre la base de ingresos<\/strong> utilizada para calcular los pagos futuros de la cl\u00e1usula adicional.<\/p>\n<p><strong>La base de ingresos es un valor de c\u00e1lculo, no dinero en efectivo que pueda retirar. Esto no representa un rendimiento de inversi\u00f3n del 20% ni un aumento del 20% en el saldo disponible de su cuenta.<\/strong><\/p>\n<p>La cl\u00e1usula adicional cuesta anualmente el 1% de la base de ingresos, que se descuenta de los valores del contrato. Se aplican cargos por retiro durante un per\u00edodo de 10 a\u00f1os; los retiros excesivos pueden reducir los beneficios. La disponibilidad y las condiciones var\u00edan seg\u00fan el estado y pueden cambiar. Confirmaremos las condiciones vigentes y la elegibilidad mediante una ilustraci\u00f3n individual antes de que usted decida.<\/p>\n<p>Una transferencia de fondos debe ajustarse a sus objetivos de jubilaci\u00f3n, sus necesidades de acceso al dinero y los costos totales, no solamente a una bonificaci\u00f3n.<\/p>\n<\/div><\/div><br \/>\n<div  class='hr av-ypvkj-227de54de04c9af12fc44b48db1baad1 hr-default  avia-builder-el-5  el_after_av_promobox  avia-builder-el-last'><span class='hr-inner'><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><div  class='flex_column av-swlmb-3f59ee06c84faeaa03a31fe3aa466fb5 av_one_half  avia-builder-el-6  el_after_av_one_full  el_before_av_one_half  first flex_column_div  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykokh9h-1a3e7245febd9c97f0bce51f568ec328\">\n#top .av-special-heading.av-lykokh9h-1a3e7245febd9c97f0bce51f568ec328{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykokh9h-1a3e7245febd9c97f0bce51f568ec328 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykokh9h-1a3e7245febd9c97f0bce51f568ec328 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykokh9h-1a3e7245febd9c97f0bce51f568ec328 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykokh9h-1a3e7245febd9c97f0bce51f568ec328 av-special-heading-h3 custom-color-heading  avia-builder-el-7  el_before_av_promobox  avia-builder-el-first'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Planifique la jubilaci\u00f3n que desea<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='av_promobox av-lykon0oq-731f2d86dc7f0ca47e98078833aa65d4 avia-button-no  avia-builder-el-8  el_after_av_heading  avia-builder-el-last'><div class='avia-promocontent'><p>\n<strong>Una nueva etapa merece un plan bien pensado.<\/strong> Cambiar de empleo o acercarse a la jubilaci\u00f3n es un buen momento para revisar c\u00f3mo encaja su antiguo 401(k) en su futuro.<\/p>\n<ul>\n<li><strong>Sus plazos:<\/strong> \u00bfCu\u00e1ndo necesitar\u00e1 ingresos para la jubilaci\u00f3n?<\/li>\n<li><strong>Sus necesidades mensuales:<\/strong> \u00bfQu\u00e9 gastos cubrir\u00e1n el Seguro Social y otros ingresos?<\/li>\n<li><strong>Sus necesidades de acceso al dinero:<\/strong> \u00bfCu\u00e1nto dinero debe permanecer disponible para emergencias?<\/li>\n<li><strong>Sus prioridades:<\/strong> Equilibre la certidumbre de los ingresos, las oportunidades de crecimiento, la flexibilidad y los costos.<\/li>\n<\/ul>\n<p>Traiga el estado de cuenta m\u00e1s reciente de su plan y la informaci\u00f3n sobre sus comisiones a una conversaci\u00f3n sin compromiso. Podemos explicarle las opciones de seguros disponibles y las preguntas que debe resolver antes de transferir sus ahorros para la jubilaci\u00f3n.<\/p>\n<\/div><\/div><\/p><\/div><\/p>\n<div  class='flex_column av-m1uwj-3ac0f64a1b0e49770eeec7343fd6efbd av_one_half  avia-builder-el-9  el_after_av_one_half  el_before_av_hr  flex_column_div  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykosr10-ca71b9d9527474487d61991948ea0119\">\n.avia-image-container.av-lykosr10-ca71b9d9527474487d61991948ea0119 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lykosr10-ca71b9d9527474487d61991948ea0119 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lykosr10-ca71b9d9527474487d61991948ea0119 av-styling- av-hover-grow avia_animated_image av-animated-when-visible-95 top-to-bottom avia-align-center  avia-builder-el-10  el_before_av_button  avia-builder-el-first'   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-760 avia-img-lazy-loading-not-760 avia_image' src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-home-photo-1030x687.png\" alt='Couple reviewing their 401(k) rollover and retirement income options' title='401k-rollover-home-photo'  height=\"687\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-home-photo-1030x687.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-home-photo-300x200.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-home-photo-768x512.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-home-photo-1500x1000.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-home-photo-705x470.png 705w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/401k-rollover-home-photo.png 1536w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-11  el_after_av_image  avia-builder-el-last'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b\">\n@keyframes av_sonarEffect_av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/15-minute-meeting-retirement-planning'  class='avia-button av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Explore sus opciones de ingresos para la jubilaci\u00f3n\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue854' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Explore sus opciones de ingresos para la jubilaci\u00f3n<\/span><\/a><\/div><\/p><\/div><div  class='hr av-cur5f-c447b083562c95ba8c3079c241a5b7a1 hr-default  avia-builder-el-12  el_after_av_one_half  el_before_av_one_full'><span class='hr-inner'><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\n<div  class='flex_column av-az36z-839a9882479c33b8f19be8069d7eb7b6 av_one_full  avia-builder-el-13  el_after_av_hr  avia-builder-el-last  first flex_column_div'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykpc9h1-4dca6d24eceb4d1e705313cadf7277ab\">\n#top .av-special-heading.av-lykpc9h1-4dca6d24eceb4d1e705313cadf7277ab{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykpc9h1-4dca6d24eceb4d1e705313cadf7277ab .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykpc9h1-4dca6d24eceb4d1e705313cadf7277ab .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykpc9h1-4dca6d24eceb4d1e705313cadf7277ab .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykpc9h1-4dca6d24eceb4d1e705313cadf7277ab av-special-heading-h3 custom-color-heading  avia-builder-el-14  el_before_av_promobox  avia-builder-el-first'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Comprenda sus opciones de transferencia de fondos<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='av_promobox av-lykpdb48-9132028ded9895c03daca09154bc724b avia-button-no  avia-builder-el-15  el_after_av_heading  el_before_av_button'><div class='avia-promocontent'><\/p>\n<h4>\u00bfQu\u00e9 es una transferencia de fondos 401(k)?<\/h4>\n<p>Una transferencia de fondos mueve una distribuci\u00f3n elegible de un plan de jubilaci\u00f3n a otro plan elegible o a una cuenta IRA. Una transferencia correctamente realizada a una IRA tradicional generalmente conserva el diferimiento de impuestos; transferir dinero antes de impuestos a una Roth IRA generalmente genera ingresos sujetos a impuestos. Su plan determina cu\u00e1ndo se permite una distribuci\u00f3n.<\/p>\n<h4>Compare primero sus opciones<\/h4>\n<p>Seg\u00fan sus circunstancias, puede dejar el dinero en el plan de su empleador anterior, transferirlo al plan de un nuevo empleador que lo acepte o transferirlo a una IRA. Retirar el dinero en efectivo puede generar impuestos y una penalizaci\u00f3n por distribuci\u00f3n anticipada. Compare las comisiones, las opciones de inversi\u00f3n, los servicios, las reglas de retiro y las protecciones frente a acreedores antes de decidir. Una transferencia de fondos no es autom\u00e1ticamente la mejor opci\u00f3n.<\/p>\n<h4>C\u00f3mo ayuda una transferencia directa<\/h4>\n<p>Una transferencia directa env\u00eda los fondos elegibles al plan o IRA receptor sin retenci\u00f3n obligatoria de impuestos. Una distribuci\u00f3n elegible sujeta a impuestos de un plan de empleador que se le pague a usted generalmente tiene una retenci\u00f3n del 20% y normalmente debe transferirse dentro de los 60 d\u00edas. <strong>Esa retenci\u00f3n de impuestos es completamente independiente de una bonificaci\u00f3n sobre la base de ingresos de una anualidad.<\/strong> Las distribuciones m\u00ednimas obligatorias no pueden transferirse de esta manera.<\/p>\n<h4>C\u00f3mo funciona la base de ingresos<\/h4>\n<p>\u00danicamente como ejemplo, una prima elegible de $100,000 con una bonificaci\u00f3n del 20% sobre la base de ingresos comienza con una base de ingresos de $120,000. Esa cifra determina los beneficios de la cl\u00e1usula adicional; no es un saldo en efectivo ni un valor de rescate de $120,000. Sus pagos reales dependen de las condiciones del contrato y del momento en que comience a recibir ingresos.<\/p>\n<h4>Cu\u00e1ndo podr\u00eda ser adecuada una anualidad<\/h4>\n<p>Una anualidad puede ayudar a cubrir necesidades de ingresos a largo plazo cuando sus beneficios se ajustan a su situaci\u00f3n. Una anualidad indexada fija es un contrato de seguro, no una inversi\u00f3n directa en el mercado de valores. Los l\u00edmites de acreditaci\u00f3n de intereses, los cargos de las cl\u00e1usulas adicionales, las restricciones de retiro y la inflaci\u00f3n son importantes. Tener una anualidad dentro de una IRA no a\u00f1ade un diferimiento fiscal adicional; eval\u00fae sus beneficios de seguro y sus costos.<\/p>\n<h4>La revisi\u00f3n de su transferencia de fondos<\/h4>\n<ol>\n<li><strong>Comprenda el plan actual.<\/strong> Revise las opciones disponibles, los costos, la elegibilidad para distribuciones y las caracter\u00edsticas que podr\u00eda perder.<\/li>\n<li><strong>Compare una ilustraci\u00f3n por escrito.<\/strong> Examine los ingresos, el valor disponible, los cargos y el efecto de los retiros.<\/li>\n<li><strong>Coordine el siguiente paso.<\/strong> Si una transferencia de fondos es adecuada, siga las instrucciones del administrador del plan y confirme la cuenta receptora y el tratamiento fiscal antes de mover los fondos.<\/li>\n<\/ol>\n<p><small>Esta p\u00e1gina proporciona informaci\u00f3n general sobre seguros, no asesoramiento fiscal o legal individualizado. Las garant\u00edas de las anualidades dependen de la solidez financiera y la capacidad de pago de la aseguradora emisora. Los productos no est\u00e1n asegurados por la FDIC. Revise el contrato vigente y las divulgaciones espec\u00edficas de su estado; no se garantiza que una bonificaci\u00f3n o transferencia de fondos sea adecuada para todos los solicitantes.<\/small><\/p>\n<\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykpqw89-a0b819c80a1584436ea727f3cec5aecc-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-16  el_after_av_promobox  avia-builder-el-last'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykpqw89-a0b819c80a1584436ea727f3cec5aecc\">\n@keyframes av_sonarEffect_av-lykpqw89-a0b819c80a1584436ea727f3cec5aecc {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lykpqw89-a0b819c80a1584436ea727f3cec5aecc.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykpqw89-a0b819c80a1584436ea727f3cec5aecc 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/15-minute-meeting-retirement-planning'  class='avia-button av-lykpqw89-a0b819c80a1584436ea727f3cec5aecc av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Hable sobre su transferencia de fondos \u2014 Reserve una consulta\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue85b' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Hable sobre su transferencia de fondos \u2014 Reserve una consulta<\/span><\/a><\/div><\/p><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-758","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Explore 401(k) rollover options and the Athene Ascent Pro 10 Bonus income-base feature. 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