Each time you start working for a different employer, you’ll be presented with different ways to deal with your 401(k) plan account. The possibilities include cashing it out, leaving it where it is, transferring it into your new employer's 401(k) plan, and rolling it over into an IRA. There are quite a few good reasons to roll over your 401(k) into one of the best IRA accounts. These include lower fees, more investment options, better communication, fewer rules, and access to financial planning tools.