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Dianne Williams Wildt, MBA

Certified Retirement Counselor®

Since 1983 in the financial services and investment industry


Retirement Pathways, Inc.

4500 Bowling Blvd., Suite 100

Louisville, KY 40207


Phone:  502-797-1258


Email: dianne@retirementpathways.com

Website: www.retirementpathways.com

March/April 2023

Is a New Employer in Your Future

Congrats you got the job, a message inside a brown envelope. New job or employment concept.

Starting a job at a new company can be an exciting opportunity. Before you clean out your desk and say good-bye to your coworkers, review the items on the checklist below.

Your Retirement Account.
You can:
  1. Leave the money in your former employer's plan, if the employer allows;

  2. Have funds directly transferred to your new employer's plan or an IRA. Consider rolling over HSA funds to your new health account as well;

  3. Cash out of the plan. However, if you opt for cash, you need to pay income taxes at your ordinary rate and if you are younger than 59 1/2, you will pay a 10% penalty.

Stock Options.
If stock owneship is part of your compensation find out the stock type, tax implications, vesting schedule, and what will happen to the stock if you leave the company.

Review your new employer's insurance and benefit plans to determine if benefits match what you currently have.

Flexible Spending Account.
Use any money left in your FSA before you leave the company so you don't lose it.


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Investment advisory services offered through American Capital Management, Inc., a State Registered Investment Advisor. Retirement Pathways, Inc. is independent of American Capital Management, Inc.
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