IRA Rollover Planning

IRA & 401(k) Rollover Planning: Turn Your Retirement Accounts Into Reliable, Long-Term Income

Reposition with Purpose

At Safe Financial Solutions, we specialize in helping retirees and pre-retirees transition their savings from growth-focused accumulation to income-focused distribution. One of the most important steps in that transition is what you do with your qualified retirement accounts—IRAs, 401(k)s, 403(b)s, TSAs, and similar plans.


These accounts were designed to help you save for retirement. But once retirement arrives, they need to be converted into a source of income—one that protects your principal, provides consistent monthly cash flow, and minimizes taxes.


We guide clients through the rollover process with clarity and care, ensuring every move aligns with your overall retirement goals. We don’t just handle the paperwork. We create a coordinated strategy that helps you retire with confidence.

The Problem With Leaving Things As-Is

Many retirees leave their 401(k) or similar plan untouched after they retire. While this may seem like the simplest choice, it often comes with unintended consequences:

  • Limited investment options
  • Higher fees or less personalized advice
  • No coordinated income plan
  • Required Minimum Distributions (RMDs) that create tax burdens
  • Lack of spousal survivor protection

Even worse, many retirees are surprised when their distributions push them into a higher tax bracket or cause their Social Security to be taxed.

At Safe Financial Solutions, we help you take control of your retirement assets before they control you.

When Should You Consider a Rollover?

You don’t have to wait until you retire to consider your rollover options. If you’re age 59 ½ or older, still working, and have a qualified plan, you may already be eligible to roll funds into a more flexible IRA without taxes or penalties.

You should strongly consider a rollover if:

  • You’ve recently retired or plan to retire in the next 1–2 years
  • You are 59 ½ or older and want more control of your investment choices
  • You want to reduce market risk and create predictable income
  • You are required to take RMDs but don’t need the income right now
  • You want to ensure your spouse or heirs are protected from poor timing or tax issues

We evaluate all of this in our initial consultation to determine if a rollover makes sense for your specific situation.

What a Strategic Rollover Can Achieve

A rollover is not just a transfer. It’s a strategic opportunity to take retirement into your own hands.

With our help, a rollover can:

  • Consolidate multiple retirement accounts into one streamlined plan
  • Create a steady stream of monthly income that you cannot outlive
  • Help reduce taxes by managing how and when you take distributions
  • Preserve your assets from market losses
  • Improve legacy outcomes with spousal or beneficiary planning

Our clients appreciate how simple we make the process—and how impactful it becomes.

Integrating Annuities for Guaranteed Income

We often use fixed annuities as part of the rollover strategy, especially when clients want:

  • Protected principal with no market risk
  • Guaranteed income for life
  • Options for inflation-adjusted payouts
  • 100% survivor benefits for their spouse

This approach allows retirees to know exactly what their income will be every month, regardless of what the market does. There’s no guesswork, no fear of running out, and no need to monitor markets constantly in retirement.


Our annuity recommendations are carefully selected and explained in plain English. We help you understand how each option works, what guarantees it offers, and how it fits into your bigger retirement income plan.


As Sal Guttadauro says: "Don’t assume your tax preparer is your tax planner." Most CPAs and preparers simply report what already happened. We help you plan ahead so you can avoid preventable tax burdens.

Your Next Step

Our process is designed to make rollover planning smooth, understandable, and actionable. Here's what to expect:

Step 1: Initial Strategy Consultation

  • We review your current accounts, income needs, tax exposure, and timeline
  • You receive our Retirement Strategy Analysis Kit to prepare
  • We gather information and clarify your goals

Step 2: Income for Life & Asset Summary Presentation

  • We present a customized strategy based on your financial picture
  • We show how a rollover would fit into your overall plan
  • You get clear, personalized recommendations without pressure
If you choose to move forward, we take care of all the details—from paperwork to implementation.
A black and white photo of an older man holding glasses.

Real Results. Real Peace of Mind.

Many of our clients come to us feeling overwhelmed or uncertain. They’re not sure what to do with their retirement accounts, and they’re nervous about making a mistake they can’t recover from.


After working with us, they walk away with clarity, confidence, and a structured income plan that makes sense for their lifestyle. We don’t just roll over accounts—we roll out a retirement plan that helps you sleep at night.



If you’re approaching retirement or already there, now is the time to take control of your qualified retirement accounts. Whether you have one IRA or several 401(k)s, we can help you simplify, protect, and position those assets to serve you for life.