Kristal Lipe - Financial Professional

07/30/2025

07/05/2025

HUGE NEWS!!!! So excited for this new partnership!!!

05/21/2025

Did you know that the best way to do a 401k rollover is direct with a Financial Professional?

Direct Rollover: Your old plan sends the money directly to your new plan or IRA—no taxes withheld, no penalties.

Indirect Rollover: The money is sent to you, and you must deposit it into a new account within 60 days. Taxes may be withheld, and you must make up the difference to avoid penalties.

Important Considerations

Compare fees and investment options before choosing where to roll over your funds.

Some employer contributions may not be fully vested if you leave early—check your plan’s rules.

Not all distributions are eligible for rollover (e.g., required minimum distributions, hardship withdrawals).

Bottom Line

Rolling over your 401(k) can help you keep your retirement savings on track, but review your options carefully to make the best choice for your financial future.

Message or call me for your FREE consultation today!!

05/16/2025

Quick poll: How much do you pay monthly for life insurance?

Less than $20

$20-$50

$50-$100

More than $100
Drop your answer or DM me if you want a free review!

05/14/2025

Curious-how much are you paying for your life insurance each month? 🧐

Many people are surprised to find out they could be saving money or getting better coverage for the same price. If you’re open to it, drop your monthly premium in the comments (or DM me for privacy), and let’s see if I can help you improve your plan or save some cash!

You might be able to unlock more peace of mind for less than you think-sometimes as little as $1 a day. Let’s make sure you’re not overpaying for your peace of mind.

Ready to compare? Let’s chat!

05/13/2025

Baby Boomers, you've spent years building a life, is your retirement plan doing the same for you? Let's ensure it's secured and aligned with the vision of your golden years. Meanwhile, Millennials & Gen Z, why wait to start building wealth? The earlier, the better! How are you getting started?

05/11/2025

Thinking of rolling over your 401(k) to an IRA? Discover the myriad of benefits waiting for you! More investment choices, lower fees, and greater control over your financial destiny. How would more options and lower costs change Rolling over a 401(k) to an IRA offers several key benefits:

More Investment Choices: IRAs provide a broader range of investment options, including individual stocks, bonds, mutual funds, ETFs, and alternative assets, compared to the limited menu in most 401(k) plans.

Lower Fees: IRAs often have lower administrative and investment fees than many 401(k) plans, especially those from smaller employers.

Greater Control: You have more flexibility to manage your portfolio, adjust your risk, and rebalance as needed.

Simplified Management: Consolidating multiple retirement accounts into a single IRA streamlines recordkeeping and makes it easier to track your savings.

Tax Advantages: A rollover preserves the tax-deferred status of your retirement funds, allowing your money to keep growing without immediate tax consequences.

Roth Options: You can convert traditional 401(k) assets to a Roth IRA, potentially providing tax-free withdrawals in retirement.

Estate Planning: IRAs can offer better options for beneficiary designations and estate planning flexibility.

These benefits make IRAs a popular choice for those seeking more control, lower costs, and expanded investment opportunities after leaving a job or retiring approach to retirement planning?

05/10/2025

Thinking about switching jobs or nearing retirement? Don’t leave your hard-earned money behind! A 401(k) rollover lets you move your retirement savings from an old employer’s plan to a new 401(k) or an IRA-keeping your investments growing and your future on track.

**Why consider a rollover?**
- Consolidate your retirement accounts for easier management
- Unlock more investment choices and potentially lower fees with an IRA
- Avoid losing track of your savings-there are millions of forgotten 401(k)s out there.

**Pro tip:** Opt for a *direct rollover*-your money goes straight to the new account, skipping taxes and penalties. If you receive a check, you only have 60 days to deposit it, or you could face taxes and a 10% penalty if you’re under 59½.

Don’t let your old 401(k) gather dust. Take charge, roll it over, and make your money work for you!

My name is Kristal Lipe. I am a licensed Financial Professional with Global Financial Impact. I would love to help answer any questions and you plan for the future! Click the link below to schedule an appointment.
https://calendly.com/kristallipeceo

05/05/2025

Message me today!! Or call or text 208-402-8373 for more information!!