The Short Answer
An IRA rollover transfers your employer retirement plan assets into an IRA — preserving tax deferral, expanding investment options, and consolidating accounts. A direct rollover triggers zero taxes and zero penalties. The destination (Traditional vs. Roth) and the rollover type (direct vs. indirect) determine the tax outcome. Doug coordinates every rollover with the full retirement income plan.
IRA Rollover Services for New York Residents
Every rollover type — 401(k), 403(b), 457(b), pension, and NYC public pension — has different IRS rules, tax treatment, and timing requirements. Doug Robb Jr. has coordinated IRA rollovers for New York and Bronx residents since 1994. Select the rollover type that applies to your situation.
IRA Rollover — Bronx, NY
Most common rollover. Expands investment options and consolidates accounts.
Roll any employer retirement plan into a Traditional or Roth IRA. The Bronx-anchored rollover service for pre-retirees and retirees.
Learn More401(k) Rollover — New York
Private sector workers, corporate retirees, and job changers.
Direct rollover of a 401(k) from a former employer into a Traditional IRA. Zero taxes, zero penalties when done correctly.
Learn More403(b) Rollover — New York
Teachers, nurses, hospital employees, and non-profit workers.
Roll a 403(b) TSA account — often loaded with high-fee annuity products — into a lower-cost IRA. Surrender charge analysis included.
Learn MorePension Rollover — New York
Private sector pension plan participants electing lump-sum distribution.
Lump-sum pension distributions can be rolled into a Traditional IRA to preserve tax deferral. Timing and withholding rules are critical.
Learn MoreNYC Pension Rollover
NYC public sector workers — NYPD, FDNY, teachers, city employees.
NYCERS, NYCTRS, NYCBERS, and other NYC public pension lump-sum distributions rolled into an IRA with zero withholding.
Learn More457(b) Rollover — New York
NYC and New York State public sector workers with deferred comp.
Roll a governmental 457(b) deferred compensation account into an IRA after separation from service. Bridge income strategy coordinated first.
Learn MoreHow the Rollover Process Works
Review Your Current Plan
Doug reviews your existing plan documents, investment options, fees, and any surrender charges or vesting schedules that affect the rollover decision.
Determine the Destination
Traditional IRA preserves tax deferral. Roth IRA triggers a taxable conversion but eliminates future RMDs. The right destination depends on your current and future tax situation.
Execute the Direct Rollover
A direct rollover moves funds from your plan directly to the IRA custodian — zero taxes withheld, zero penalties, no 60-day deadline risk.
Integrate Into the Income Plan
The rollover is the starting point, not the end. Doug integrates the IRA into the full retirement income plan — distribution strategy, ROTH conversion schedule, and RMD planning.
Why the Rollover Decision Matters
Investment Quality
Most employer plans offer a limited menu of mutual funds, often with institutional share classes that carry higher fees than equivalent IRA options. Rolling into an IRA expands the investment universe and typically reduces the expense ratio.
Tax Treatment at Distribution
Pre-tax assets rolled into a Traditional IRA are taxed as ordinary income when withdrawn. Pre-tax assets converted to a Roth IRA are taxed now but grow and distribute tax-free. The choice affects your tax bill for the rest of retirement.
Required Minimum Distributions
Traditional IRA assets are subject to RMDs starting at age 73. Roth IRA assets are not subject to RMDs during the owner's lifetime. Rolling into a Roth — or converting over time — reduces the forced distributions that can push you into higher brackets.
Estate Planning
Roth IRAs pass to beneficiaries tax-free. Traditional IRA beneficiaries must distribute the account within 10 years under the SECURE Act — and pay income tax on every distribution. The rollover destination affects the tax efficiency of the inheritance.
IRA Rollover — Frequently Asked Questions
Ready to Roll Over Your Retirement Account?
Doug Robb Jr. reviews your plan, identifies the optimal rollover destination, and executes the transfer — coordinated with your full retirement income plan. No commissions. No product sales. One advisor, always.
4102 E Tremont Ave, Bronx, NY 10465 · SEC-Registered Investment Advisor · CRD# 2384553