For many employees, what to do with a 401(k) plan at retirement has been a foregone conclusion: Roll it over. Financial advisors no doubt have reinforced that trend, with rollovers from 401(k)s to ...

It goes without saying that the idea of people staying with a single employer for their entire working lives, and receiving an engraved gold watch and a pension upon retirement, is out of date.

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. After years of diligently saving a portion of your paycheck ...