Sales SamplesTEST

Financial Advisor

 

YOUR COMPANY

45 Prospect Ave

Albany, NY 12206

 

Phone:  800-243-5334

Fax:        800-720-0780

 

Email: sales@ltmclientmarketing.com

Website: www.letstalkmoney.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.


Benefits.
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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YOUR COMPANY and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Specialists LLC, an unrelated third party. Articles are not written or produced by the named representative.

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