The Problem: Leaving a 401(k) with a former employer limits your financial control. Over a successful career, it is common to leave a trail of scattered 401(k)s across multiple institutions. This fragmentation makes it impossible to track your true asset allocation, results in duplicate administrative fees, and creates massive headaches for required minimum distributions (RMDs) and tax planning. Corporate 401(k) plans also restrict you to a narrow menu of generic mutual funds, often carry hidden administrative fees, and offer zero proactive tax management for your specific financial situation. 

The Solution: Rolling your 401(k)s into a single IRA managed by an independent fiduciary unlocks total investment control. It allows for precise asset allocation tailored to your retirement timeline, wider investment options. and Roth conversion strategies.

The GPM Difference: We do not put your IRA into a generic basket of mutual funds. We build custom portfolios using individual, competitively advantaged businesses. We are 100% fee-only fiduciaries, and our team has real "skin in the game"—we invest our own capital in the exact same investments as our clients.