Kyle Boucher - Northwestern Mutual

The market doesn’t care how close you are to retirement.

That’s why your investment strategy should reflect your timeline, risk tolerance, and income needs—not just headlines.

Met with a new client recently who had an old 401(k) sitting at a previous employer.

He knew he should probably look at moving it to an IRA at some point, but like many people, it stayed where it was for years because the process seemed complicated and time-consuming.

The reality? With the right guidance, the rollover itself was straightforward.

More importantly, the conversation wasn’t just about moving an account. It gave us the opportunity to review his overall retirement strategy, investment allocation, beneficiaries, and how that old 401(k) fit into the rest of his financial picture.

Sometimes the biggest obstacle isn’t making a decision—it’s finding the time to take action.

If you have an old 401(k) from a previous employer that’s been sitting untouched, it may be worth taking a second look. Whether a rollover makes sense or not, having a plan for those dollars is often better than simply forgetting about them.

Have questions about an old retirement account? Feel free to reach out.

A lot of people ask:

“How much do I need to retire?”

There isn’t one universal number.

What matters most is:
· Spending needs
· Debt level
· Income sources
· Lifestyle goals
· Taxes

Good planning beats chasing a magic number.