The best way to roll over a 403(b) into an IRA of your choice

Capitalize is the only independent 403(b) rollover service that makes combining old accounts easy, because you deserve it.

  • Consolidate from old jobs and previous employers
  • Roll over traditional 403(b)s or Roth 401(k)s
  • Merge multiple 403(b)s into an IRA you control
  • Into either a traditional IRA or Roth IRA


A table showing the costs of female and male employees.

Many people move their old 403(b)s into an IRA. Here’s why it can be a great choice for you too.

Peace of mind

Millions of 403(b)s get left-behind every year. Make sure yours isn’t one of them by rolling your money into an IRA - where you can easily keep track of and grow your savings no matter where your career takes you.


More control

You never picked where your 403(b) account was held - your employer did. An IRA puts you back in the driver's seat - you pick where your money goes, and how it's invested. IRAs are generally more flexible than 403(b)s and typically have more investment options.


Manage your fees

2 in 3 Americans don’t know what fees they’re paying in their 403(b). Selecting an IRA allows you to see your fees at the outset and make sure they’re reasonable. Keeping fees low can make a big difference to your savings at retirement.


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Why Roll Over Your 403(B)

Real humans and smart technology make rolling over easy.

Save hours of your time

Rolling over 403(b)s on your own can be time-consuming - and confusing. Our proprietary technology and experts do all the work, from finding old 403(b)s to managing your rollover.

EASILY COMPARE & CHOOSE FROM TOP IRAs

Capitalize makes it easy for you to compare and choose an IRA based on what you care about. Time is money; now, you can save both.

Experts in your corner

Our team has tackled thousands of rollovers just like yours so you can have confidence we'll get it right. Whether you have a traditional or Roth 403(b), we know how to get your money moved safely and tax-free.

Real humans and smart technology make rolling over easy.

Cardinal makes it easy to apply for life insurance that’s tailored to your budget and coverage needs. Customers choose Cardinal because we offer affordable rates and help you find the right coverage for you. With Cardinal, you don’t need to talk to any agents to apply but if you need, our team of licensed agents is ready to help you with anything.

Fast, easy, free application

Our straightforward online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.

Affordable, personalized coverage

We offer a wide variety of coverage options to fit your budget and give you the coverage you actually need.

Honest advice, non-pushy agents

You don’t need to talk to an agent – unless you want to. Our agents are experts in finding you the coverage that best suits your family’s needs.

Cancel easily

If you change your mind within the first 30 days of activating your coverage, we’ll refund your payment in full. And with Cardinal, you can cancel your policy anytime with no extra fees.

Start your rollover online in minutes — and we'll take it from there.


Please note that all prices quoted are subject to change, including due to underwriting.