On this episode of the My Money Is Safe Show, Greg Elie and Patti Jaynes explain why an in-service rollover—typically available at age 59½ or after a job change—can be a powerful way to move some or all of a 401(k) into an IRA without closing the plan or triggering taxes.

They argue that after strong market gains (and with forecasts pointing to only modest further upside amid geopolitical tension, inflation, energy prices, and potential midterm volatility), locking in profits and reducing risk makes sense; they contrast this with 2008 losses suffered by those who stayed fully invested. The hosts describe accounts that can add guaranteed or credited income (examples given in the 7–15%+ range for income purposes, plus “doublers” that can temporarily increase payouts for care needs) and introduce their P-SLIP (Properly Structured Life Insurance Plan) as a leveraged alternative or complement to a Roth for living benefits, tax-efficient income, death benefit, and help with long-term care costs that can run $8,000–$15,000 a month.

They close by urging listeners not to overfund 401(k)s beyond the match, to build a tax strategy rather than a “tax snowball,” and to call 1-800-297-5755 or visit MyMoneyIsSafe.com for a review.