Lets you roll over retirement investments from multiple 401(k) and 403(b) plans left at previous employers. You can even transfer an existing Rollover IRA into your new Merrill IRA account. Maintains the tax-deferred status of your retirement investments. Access a full range of investment choices which may include many of the same (or similar) investments found in your current portfolio. Investing in an IRA may provide you a greater number of investment choices, but costs may be higher. Learn more about the pros and cons of your choices for rolling over your 401k. You may be able to roll over to a Traditional or Roth IRA, roll over to a 401(k) at a new employer, take a distribution or leave the account where it is, depending on your unique financial needs and retirement goals. Each option presents different benefits and limitations with regard to available investment choices and services, fees and expenses, withdrawal rules, required minimum distributions, tax treatment (particularly with reference to employer stock), and protection from creditors and legal judgments. Additionally, there are limits to how often and when you can rollover your account.