STILL HAVE AN OLD 401(K) OR IRA?
You may have more options than you realize. If you changed jobs, retired, or have dormant retirement accounts, it may be time to review strategies designed for growth, protection, and future income.
No pressure. No obligation. Just clarity.
Schedule Your REVIEW
Why Review an Old Account?
Many people leave old retirement accounts untouched for years
That can mean:
✅Limited strategy options
✅Higher fees than expected
✅Lack of income planning
✅No downside protection strategies
✅Accounts no longer aligned with your goals
*A quick review can help determine if your current setup still makes sense.
What We Help Evaluate
Depending on your situation, we may explore options such as:
✅IRA rollovers
✅Old 401(k) consolidations
✅Principal protection strategies
✅Guaranteed lifetime income options
✅Tax-efficient retirement positioning
✅Legacy and beneficiary planning
*Every situation is different.
Potential Bonus Opportunities
Some qualified accounts may be eligible for promotional rollover bonuses depending on product, timing, and suitability.
We’ll explain clearly what applies — and what doesn’t.
Why Nicoletti Capital
Personalized Guidance, Not One-Size-Fits-All
We work with individuals and families who want straightforward help navigating retirement decisions.
✅Florida-based service
✅Personalized recommendations
✅No-pressure consultations
✅Clear next steps
✅Long-term relationship focus
Common Situations We See
“I changed jobs and forgot about an old 401(k).”
“I want more protection as I get closer to retirement.”
“I’m unsure how to turn savings into income.”
“I have multiple accounts and want simplicity.”
“I want to understand my options before making a move.”
FAQ
Can I move an old 401(k)?
Often yes, depending on the plan and circumstances.
Will I owe taxes?
Some rollovers can be structured without immediate taxation when done properly.
Is this right for everyone?
No. That’s why we review your goals, timeline, and needs first.
What if I’m still working?
Some plans allow in-service options; others do not.
*Investment and insurance products are subject to eligibility, suitability, and carrier/product availability. Guarantees are backed by the claims-paying ability of the issuing insurer where applicable. Consult tax and legal professionals regarding your specific situation.
Nicoletti Capital
info@nicoletticapital.com
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