For many Americans, a significant share of their retirement savings is invested in a 401(k) with their employer. That’s not surprising: investing pre-tax dollars is tax savvy, of course, but there’s also often a company match available that can add meaningfully to savings over time.

If you have a significant portion of your retirement funds in a 401(k), how you handle it upon retiring or moving to another employer can have a huge impact on your chances of retiring well. Making good choices now can mean the difference between living the retirement you really want and settling for the retirement you can afford.

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