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Free checklist

The 401(k) Abroad Checklist

Use this before making any change to an old U.S. retirement account. No email required.

401(k) Abroad Checklist | My401k.International

Tick items as you go. Your ticks stay on this device only.

1. Reconnect with your old 401(k)

Gather old statements and former employer details.
Identify the current plan administrator.
Verify official contact details before sharing personal information.
Ask about restoring secure access from overseas.
Obtain current account information before comparing options.

2. Gather your documents

Your latest statement and current account documents.
The former employer, plan administrator, balance and investment holdings.
Whether the money is pre-tax, Roth or a mixture.
Any plan notices, deadlines or changes you have received.
Current beneficiary information.

3. Ask your provider

Can I retain this specific account while resident in my country?
What residential-address information and supporting documents do you require?
What fees do I personally pay now that I have left the employer?
Which authentication and account-recovery methods work for me abroad?
Can I receive statements and tax documents electronically?
Are there restrictions on deposits, withdrawals or beneficiary changes?
Is any action required by a specific date?

4. Compare before acting

Identify what you want the account to do for your future plans.
Record costs and identify unanswered fee questions.
Get written confirmation of residence eligibility, account type, costs and process for any receiving account.
Compare any proposed change before authorizing it.
Group unanswered questions by who can answer them: administrator, receiving institution, tax professional or advisor.
Save the answers and set the next review date.

Adapted from How Expats Can Avoid Costly Mistakes With Their 401(k). Educational information only; not investment, tax or legal advice.

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Cover of Forgotten 401(k)s: A Guide for People Living Abroad

Free PDF guide

Forgotten 401(k)s: A Guide for People Living Abroad

How to trace an old employer's plan, restore access from overseas and organize your questions before moving money. Includes a working checklist.

12-page PDF • Free

Education and advisor introductions. We do not manage your money or provide investment, tax or legal advice.

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