Welcome to Rizzutto Financial Advisors

401(k) and DROP Account Rollover Specialist

Let’s Face Reality:

Your 401(k) or DROP Account money is the largest lump-sum of money you are likely to ever get your hands on.

The money must be invested wisely to last you the rest of your life.

You need help; a mistake here would be disastrous.

You Need My Help

My investment philosophy is simple:

(1) Control and manage investment risk

(2) Invest for the long-term

(3) Keep investment fees and expenses low

Simply put, the service I provide to you is mathematically painting a crystal clear picture of the investment risk you face. Then I identify the investment options available to you and help you make a wise decision based on your financial goals.

Together we assess the investment risk, potential returns and the fees and expenses associated with each investment alternative.

You Control the Process

The transition from 401(k) or DROP Account to a Rollover IRA Account is simple and straight forward:

1) You establish a Self-Directed Rollover IRA Account with an IRS certified financial institution as custodian (I recommend TD Ameritrade but the choice is yours)

2) You instruct your former employer to make a custodian to custodian direct transfer of your 401(k) or DROP Account holdings for deposit to your Self-Directed Rollover IRA Account. (I do all the paperwork for you).

3) When you are ready I assist you in selecting appropriate investments to meet your financial goals. If you feel uncomfortable making investment decisions we start out slowly by investing your money in risk-freeUnited State Treasury Bills (one month, three months or six months).

As you gain confidence in controlling and managing your investments we take a look at investments paying a higher rate of return but with a slight increase in risk. It is a step by step process; you move at your on pace and comfort level.

4) We meet as often as you need to assist you in managing your “nest egg”.

Why Rollover Your 401(k) or DROP Account?

Jobs change, goals change, life changes:

1) Enables you to take control of your overall retirement plan. You know what is best for you

2) Increases your investment options

3) Allows you to move your money out of your former employer’s retirement plan (401(k), 403(b), Thrift Savings Plan or DROP Account) without tax consequences or other penalties

4) Keeps your savings invested tax-deferred

5) May provide better estate planning benefits than your current retirement savings plan

“Food For Thought”

As you grow older there are five risks you must manage:

1) You must make certain your financial resources match your life expectancy

2) You must account for the insidious effect taxes and inflation have on your investments

3) It is critically important that you keep your long term investments balanced and diversified

4) You need to give careful consideration to health care expenses after retirement

5) The amount and timing of withdrawals from your retirement accounts will have a significant impact on how long your money will last

I can help you manage these risks.

Our Mission

Our mission is to guide our clients through the financial transitions of life, both anticipated and unexpected, by helping them make wise financial decisions.