There’s a good chance that you either have or will change jobs multiple times throughout your career. Those job changes may be in the form of promotions within a corporation or jumping to a new company to take a higher position with increased pay and responsibility. Your job change may even involve a career change! However the inevitable job change occurs, don’t forget about your retirement funds and savings when you do so. With many employers offering retirement benefits–and with potential legislation allowing for more smaller companies to offer them in the future–chances are you have (or had) an employer plan; most likely a 401(k). You will need to think about what you want to do with such plans when you leave an employer. Will you want to roll it over into another plan? Can you maintain that plan even though you no longer work for that employer and does doing so make sense? What are the costs and fees associated with taking the money and running? These are all important questions that you may need to answer and consider. You will also want to make sure that you understand any deadlines or limitations involved with whatever you decide. You don’t want to miss a deadline–or worse, forget about the account altogether (yes, this does happen). You also want to make sure that any moves you make with that retirement money is done as efficiently and in as cost-effective a manner as possible. You would be wise to discuss any such moves with a financial planner before making them so as to make sure you are making the decision that’s right for you.