08/20/2026
A few weeks ago, I sat down with someone who had changed jobs several times throughout their career.
As we talked about retirement, they started listing off old accounts:
"I have a 401(k) from my first company."
"I think I still have a 403(b) from when I worked at the hospital."
"And there might be another retirement account from a job I had years ago."
By the end of the conversation, they realized they had retirement savings spread across multiple institutions, investment platforms, and logins.
That's actually more common than you might think.
When people change jobs, retirement accounts often get left behind. Over time, it can become harder to keep track of where everything is, how it's invested, and whether those accounts still fit into an overall retirement strategy.
One topic that often comes up is account consolidation. Depending on an individual's situation, some people choose to maintain multiple retirement accounts, while others explore whether consolidating assets may help simplify recordkeeping and provide a more streamlined view of their retirement savings.
The right approach depends on your personal goals, circumstances, and the features available within each retirement plan.
Regardless of the path someone takes, understanding where your retirement assets are located and reviewing your available options can be an important step toward staying organized and informed.
If you've changed jobs over the years and have old 401(k), 403(b), or 457 accounts from former employers, it may be worth taking some time to review what you have and understand the options available to you.
I'd be happy to be a resource if you'd like to start that conversation.
See thrivent.com/social for important disclosures.
Let's plan your financial future together.