You’ve spent years building that retirement account. Right now it’s sitting in limbo — and every day without a clear plan is a day it could be losing ground. You don’t need a salesperson. You need a trusted guide who will walk you through every option, answer every question, and help you make the decision that’s right for your life. That’s exactly what we do — at no cost to you.
Take 60 seconds to hear directly from Coach John — why he started TheRollOverGuide.com, what you can expect from a free consultation, and how he’s helped hundreds of families protect their retirement savings.
No sales pitch. No obligation. Just a real person who genuinely wants to help you make the right move with your 401(k).
📅 Book My Free ConsultationEnter your balance below and see exactly what's at stake — and what you could protect.
ⓘ This calculator provides estimates for educational purposes only. Actual tax liability depends on your individual circumstances. Please consult with your tax professional before making any decisions.
You worked hard for that money. Now you're bombarded with confusing terms, pushy brokers, and questions nobody seems to answer straight. That ends here.
You know you should do something — but nobody told you what, when, or how. The longer it sits untouched, the more opportunities you lose.
The wrong move can trigger a 20% IRS withholding plus a 10% early withdrawal penalty. That's potentially 30% of your savings gone in one decision.
Life gets busy. But every month your money sits in limbo is a month it could be working harder for your future. The good news — we make this fast, simple, and stress-free.
The decisions you make in the next 60–90 days could impact your retirement by tens of thousands of dollars.
Our consultation fee. Completely free, no strings attached, ever.
Maximum you could lose to taxes & penalties if you cash out incorrectly.
Days to complete an indirect rollover before IRS penalties kick in.
Options for your old 401(k) — only one of them may be right for you.
20% mandatory IRS withholding triggers immediately — plus a possible 10% early withdrawal penalty if under age 59½. Never take a check made out to yourself.
If you receive a check, you have exactly 60 days to re-deposit the full amount into a qualifying account — or face full taxes and penalties on the entire balance.
Rolling pre-tax 401(k) money directly into a Roth IRA creates an immediate taxable event. Know the difference before you move. Coach John walks you through it.
A guide is someone who has walked this road before — and genuinely cares about getting you safely to the other side.
Yes — 100% free. No hidden fees, no obligation, and no sales pitch. Our only goal is your financial wellbeing. We never charge for our consultations — the guidance we provide is always complimentary, regardless of what decisions you make afterward.
Because we earn a small compensation from the financial provider where we set up your investment, we never have to charge our clients directly. Our consultations are always free.
The main way you can pay us back — if you love our free education and financial services — is to introduce us to others who may need the same valuable retirement and investment guidance you received.
ⓘ Please consult with your tax professional before making any decisions that may have tax implications.
Our Crusade is to guide families with free financial coaching, help them reduce debt, and save more money, so they can change their family legacy forever.
No fee will ever be charged for this service. All we ask is that you share what you learn, empowering others to reach for their own goals and dreams!
All services are provided through Primerica and PFS Investments Inc. Visit livemore.net/c/wurzell →
The case for rolling to your own account — and keeping it
An IRA stays with YOU through every job change, layoff, or career pivot — never tied to any employer.
A direct rollover moves money plan-to-plan with no withholding, no penalty, and no taxable event.
Rolling to a Traditional IRA opens the door to a Roth conversion — future tax-FREE retirement income.
Most plans limit you to 12–20 funds. An IRA unlocks thousands of mutual funds, ETFs, and annuities.
Employer plans carry fees you never see on a statement. A well-chosen IRA can significantly reduce losses.
Consolidate old 401(k)s into one IRA — easier rebalancing, clearer planning, nothing left behind.
Coach John reviews, rebalances, and guides you through every life change — not a call center.
IRAs allow penalty-free withdrawals for first-time home purchases and qualified education expenses.
We’ve made this as simple as possible. Most clients have a clear plan within one conversation.
Schedule a no-pressure, no-cost conversation at a time that works for you — by phone, video, or in person.
Coach John listens first. You share what you have, where it is, and what matters to you. He explains all your options in plain language — no jargon, no pressure.
You leave with a clear, personalized rollover plan and the step-by-step guidance to execute it correctly — penalty-free.
We’ve put together a plain-English checklist covering everything you need to know before you roll over your 401(k). No confusing jargon. No sales pitch inside. Just real, actionable information.
This is the same information we share in every free consultation — and it’s yours at no cost, no strings attached.
These are the questions we hear most often.
Yes — 100% free consultations, always. No hidden fees, no obligation. Our only goal is your financial wellbeing. We never charge for the guidance and education we provide — what you decide to do afterward is entirely your choice, with zero pressure from us.
If your employer sends you the funds directly (indirect rollover), you have 60 days to deposit into a new account to avoid taxes and penalties. For a direct rollover (fund-to-fund transfer), there’s no strict time limit — but sooner is better.
Don’t panic. If you received a check, you have 60 days to deposit the full amount (including the 20% withheld) into a qualifying retirement account. Call Coach John right now — 561-727-9184.
People just like you who came in confused and left with clarity and confidence.
“I had no idea I was about to make a $12,000 mistake by cashing out my 401(k). One free call changed everything. They walked me through a direct rollover and I didn’t lose a single penny to taxes.”
“I had three old 401(k)s from three different jobs just sitting there. They helped me consolidate everything into one IRA. I finally feel in control of my retirement.”
“Every financial advisor I talked to wanted to manage my money for a fee. These folks just helped me — no pitch, no pressure, no cost. I’ve already sent four coworkers their way.”
Whether you were laid off, retired, changed careers, or resigned — if you left a job in the last 30–90 days, this consultation is for you.
Don’t let uncertainty about your old 401(k) add to your stress. We’ll help you protect what you’ve saved while you figure out your next chapter.
Retirement decisions made now affect income for decades. We’ll make sure your rollover strategy aligns with your retirement goals.
Moving to a new company? We’ll help you decide whether to roll into your new plan or open an IRA — whichever gives you more control and flexibility.
Starting your own business? There are special retirement account options for self-employed individuals we can walk you through.
Leaving work to care for family? We’ll make sure your retirement savings continue working for your future even while you’re not.
If you have an old 401(k) and don’t know what to do with it — you’re exactly who we exist to serve. No judgment, no jargon, just guidance.
If you love helping people and are looking for a meaningful career with ownership potential, we’d love to talk. We offer licensing opportunities in financial services — insurance, investments, and mortgage — with full training and a ministry-driven culture. Ask Coach John about joining the team.
If you just left your job, don’t rush into thinking you have to use your 401(k) money right away. You have options. Talk with Coach John today before making any decisions — a free 20-minute conversation could save you thousands.
From community events, church programs and business workshops — to in-home Fun, Food & Finance small group trainings — to one-on-one private consultations in our office. We bring free strategic guidance to you. Just real people helping real families with real information.
Teaching the Financial House framework to families ready to build a solid foundation.
Intimate small-group settings where families learn together and support one another.
Your retirement is personal — and so is our guidance. We sit down with you one-on-one, at your home, our office, or by video, and walk through your exact situation at your pace.
From corporate lunch-and-learns and HR benefit events to full-room church financial workshops — we bring professional, engaging financial education directly to your organization. Coach John has led workshops for hundreds of attendees, covering retirement planning, debt freedom, and investment fundamentals in a format your team will actually enjoy. Invite us to your next event — it’s always free.
📅 Book a Workshop or Speaking EventWould you like John or Carol to speak at your church, workplace, or community event?
📅 Book a Speaking EngagementWhen you roll over your 401(k), you deserve access to the best. We work alongside some of the most trusted names in the financial industry to ensure your retirement savings are in the right hands.
The financial partners and institutions shown above are among the options available in the marketplace. Their inclusion does not constitute an endorsement or guarantee of performance. Your rollover options will be discussed in detail during your free consultation based on your individual situation and goals. Investment products involve risk, including the possible loss of principal.
Don't let confusion, inaction, or the wrong advice cost you thousands of dollars. One free conversation with us can change the trajectory of your retirement. Book your consultation today — it takes less than 2 minutes to schedule.
100% Free. Zero Obligation. Zero Pressure.
We never charge for our consultations. Our guidance is always complimentary.
