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Establish financial goals and make a plan to reach them.


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Plan and save for when you leave the workforce.


Protect yourself and your loved ones from the unexpected.

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Check the background of our financial professionals on FINRA's BrokerCheck.

  • Kotchi Prosper, Affinity Plus Investment Center

    Kotchi Prosper

    Director of Investment & Retirement Services
    Life & Health InsuranceRetirement PlanningSecurities

  • Todd Utecht, Affinity Plus Investment Center

    Todd Utecht

    Senior Financial Advisor
    Life & Health InsuranceRetirement PlanningSecurities

  • Michelle Carlson, Affinity Plus Investment Center

    Michelle Prosper

    Financial Advisor
    Life & Health InsuranceRetirement PlanningSecurities
    St. Paul – LafayetteHastingsLake ElmoSt. Paul – Midway

  • Landon Magee, Affinity Plus Investment Center

    Landon Magee

    Financial Advisor
    Life & Health InsuranceRetirement PlanningSecurities

  • Lisa Mallery, Affinity Plus Investment Center

    Lisa Mallery

    Financial Advisor
    Life & Health InsuranceRetirement PlanningSecurities
    LakevilleFaribaultMankato CommunityEagan

  • Alex Sutherland, Affinity Plus Investment Center

    Alex Sutherland

    Financial Advisor
    Life & Health InsuranceRetirement PlanningSecurities
    St. Cloud CommunityCoon RapidsCambridgeBrainerd Lakes

  • Corey Whitcomb, Affinity Plus Investment Center

    Corey Whitcomb

    Financial Advisor
    Life & Health InsuranceRetirement PlanningSecurities
    Minneapolis – UniversityNew Hope

  • Jenny Larson, Affinity Plus Investment Center

    Jenny Larson

    Registered Representative
    Life & Health InsuranceRetirement PlanningSecurities
    DuluthGrand Rapids

  • Tommy Breen, Associate Financial Advisor

    Tommy Breen

    Associate Financial Advisor
    Life & Health InsuranceSecurities

  • Keith Salscheider, Affinity Plus Investment Center

    Keith Salscheider

    Financial Advisor
    Life & Health InsuranceRetirement PlanningSecurities
    Bemidji – Hannah Avenue

  • Mike Gjerde Affinity Plus Investment Advisor

    Mike Gjerde

    Financial Advisor
    Life & Health InsuranceRetirement PlanningSecurities
    MoorheadFergus Falls

  • Carlton Rollwagen, Affinity Plus Investment Center

    Carlton Rollwagen

  • Evan Sturtz, Affinity Plus Investment Center

    Evan Sturtz


Learn about investing

Jumping in lake silhouette

What a Rollover Is

Rolling over your 401(k) allows you to transfer the money from one retirement account to a new one, either another 401(k) at your new job or an individual retirement account (IRA). This could maintain the retirement fund’s tax-deferred status, and let you continue building toward your goal. It’s always best to discuss these options with your tax advisor to determine what’s right for you.

Direct & Indirect Rollovers

If you choose a direct rollover, the money from the 401(k) is sent directly to a new account you’ve chosen, instead of going to you. In the case of an indirect rollover, you’d get the check to deposit on your own, but you could be taxed on the income if you don’t do it within 60 days of receiving the money.

Rolling Your 401(k) to an IRA

Many people rollover to an IRA to protect the tax-deferred status of their 401(k) account.

A Traditional IRA is an individual retirement account with tax-deferred growth and potentially tax-deductible contributions. Contributions to Roth IRAs are not tax deductible, so a rollover may get taxed.  There are other differences, too, between Roth and Traditional IRAs.

How to Make the Right Choice

Everyone’s situation is different. When thinking about making a rollover decision, it’s important to think about what you want out of your 401(k) fund. And remember that these are major decisions for nearly everyone, and it can feel overwhelming to consider saving for retirement.

A financial advisor can help you plan confidently for your future, and your tax advisor can help you understand the impact of your decisions.

A+ Tip: The Affinity Plus Investment Center representatives work with members of all backgrounds to plan for retirement.

Investment Center Disclosures 

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Affinity Plus Federal Credit Union and Affinity Plus Investment Center are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Affinity Plus Investment Center and may also be employees of Affinity Plus Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Affinity Plus Federal Credit Union or Affinity Plus Investment Center. Securities and insurance offered through LPL or its affiliates are:

Not insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

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