This question is most often coming from finance and the issue of an accumulating liability in banked points. If that is the issue, we often recommend rolling over no more than 10% of points. If this is a strategic question, while rolling over can result in reps aiming for very exciting high-value awards, if reps are not redeeming for awards each year, the "Trophy" value is not being realized since there is no great new set of golf clubs in their bag or new grill on the back deck.