401(k) PARTICIPANT
SERVICES
401(k) PARTICIPANT FAQ
How do I access my account?
If you have your login information at hand, please find your record-keeper above and click on its logo to be redirected to your login page.
How do I reset my password?
How do I request a loan or withdrawal from my account?
Where can I go for help and advice on my 401(k)?
As a participant in a Matisse Capital advised retirement plan, you have unlimited access to our team of professionals at no additional cost to you. Please do not hesitate to contact us to schedule a consultation.
Can I move a retirement plan with a former employer into my current 401(k)?
LEAVING YOUR EMPLOYER?
WHAT ARE YOUR 401(k) OPTIONS?
WITHDRAW YOUR MONEY (LUMP SUM DISTRIBUTION)
Advantages:
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Access to your money, should you need it.
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If you are under age 59 1/2, your withdrawal will be subject to a 10% IRS penalty and 20% tax withholding, unless you meet strict IRS exception guidelines. For more information, contact our professional team or your tax advisor. -
Any withdrawal from your retirement savings – even a small amount – will hurt your overall long-term goals.
ROLL OVER TO AN IRA
Advantages:
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You may invest in a wide-array of investment options, including stocks, bonds, or mutual funds. -
By consolidating your retirement accounts, it is easier to manage and track what you own. -
No taxes or penalties for doing a rollover, and there is no limit to how many rollovers you may request during your career. -
If permitted, you may be allowed to move your IRA into a future employer’s plan.
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For some people, the investment flexibility offered by an IRA is overwhelming. If you do not have the time or expertise to make investment decisions yourself, you may want to consider teaming-up with a financial advisor.
REMAIN IN 401(k) PLAN
Advantages:
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You can continue to take advantage of the investment options offered in the plan and make changes as necessary. -
At a later date, you can move out of your previous employer’s plan and into your new employer’s plan, if allowed.
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You are limited to the investment options available within the plan. -
You may not contribute to your account. -
Some plans require you maintain a minimum balance to stay in the plan (often $5,000).
CONTACT YOUR MATISSE ADVISOR TODAY
We're here to help participants
