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To some, engineering an IRA rollover is like walking several miles in a blizzard wearing a pair of flip-flops. It’s easy to get cold feet due to the myriad rules, regulations and complicated financial lingo.

But, with a little planning, it can be a fairly straightforward process.

When you leave a job, you have to decide what to do about your company retirement plan — and you have four options. You can roll it into your new employer’s plan (if the new plan permits), roll it over into an IRA or take a lump-sum distribution. Or you can do nothing and just leave it in your former employer’s plan.

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