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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Eric ReedMon, Sep 1, 2025, 10:00 PM 6 min readManaging your 401(k) in retirement every bit as important as managing it up to that point.There are plenty of reasons for this but the big one is, you’re going to need this money for a long time. With good health and good luck, you could spend almost as much time in retirement as you did at work.So, in a very real way, allocating and growing this wealth will become your new job. But taxes, required minimum distributions and other obstacles can get in the way. Familiarizing yourself with the rules can help you sustain your 401(k) as long as possible.Talk to a financial advisor today for personal advice for your retirement accounts.Perhaps the most immediate issue is that retirement triggers what the IRS calls a “separation.” This simply means that you have left your employer for some reason, whether it’s retirement, layoffs, resignation or anything else.A separation allows you to change how and where you keep your money, and you have several options for how to do this. You could simply cash out your 401(k) and move it to a standard portfolio, but this is a bad idea that would trigger heavy taxes. Instead, three common options are:Most employers allow separated workers to keep their 401(k) so long as it maintains a minimum balance, typically $5,000 (or $7,000 beginning in 2024). If you like the structure of your plan, and if this is an option, you can leave your money in the 401(k) unchanged.You cannot make new contributions to this plan once you retire – only withdrawals. You will also continue to pay 401(k) plan fees to the account administrator, which are more noticeable when not offset by new contributions. Finally, once your balance dips below the minimum, you can either take the remainder in a lump sum or roll it over to an IRA.If you would like to manage your own investments, or if you would like to continue making contributions to your plan, you can take your money out of the 401(k) and put it into an IRA and/or a Roth IRA. Any money that you put into a Roth IRA will be taxed at the time of the conversion, so expect a large bill up front, but then significant advantages later.Unlike a 401(k), you can make contributions to an IRA in retirement, but only with earned, taxable income. That means you can’t take portfolio gains and reinvest them in an IRA.A financial advisor can help you set up an optimal retirement strategy.It’s also common to convert your retirement portfolio into an annuity. 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