If you’ve had a few different jobs and you’ve contributed to your retirement plans at each of the jobs, consolidate your retirement plans with an IRA rollover. A rollover allows you to take money invested through your former employer and put it in an account that you have more control over. Especially if you have several retirement accounts in different places, consolidating into one IRA account will save you a lot of time. To initiate an IRA rollover, contact any investment broker, collect your retirement account information and contact an investment broker either online or in person. The IRA rollover money doesn't count toward your annual IRA contribution allotment.

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