Don't lose $35,000 of your 401(k) to a paperwork slip.
One wrong word to your custodian turns a tax-free rollover into a taxable event. nesthelm gives you the exact script, the deadline tracker, and the honesty to say when not to roll.
~3 minutes · no account · free preview
$250K+ with concentrated company stock? A flat-fee educational tax analysis — see the Executive Engagement →
$35,200
protected if completed on time
- Call script ready
- 20% withholding avoided
- Arrival tracker armed
How it works
Three minutes to a plan built for your exact rollover.
Tell us your situation
Custodian, balance band, age, distribution date. About three minutes — no account, no SSN.
See your free preview
Your real risks and the right destination IRA — before you pay a cent.
Unlock the full plan — $49
Call script, day-by-day checklist, tax modeling, PDF, and a tracker that lives in your account.
What $49 prevents
Your rollover has twelve ways to fail.
Skip the generic IRS PDF. Get a plan built for your custodian, your balance, and your age — narrated through every minute of the window.
01
Know exactly what to say
A custodian-specific call script with rep-objection branches. The exact words that defeat 20% withholding, get your rollover coded correctly on your tax form, and stop the rep from mailing a check to your house.
02
Catch tax traps before they fire
Personalized withholding math, Roth-conversion tax modeling, the employer-stock election window, and a state-tax overlay — quantified in your actual dollars, not generic ranges.
03
Verify arrival, don't just hope
A confirmation tracker, audit-defense PDF, five AI Q&A questions for edge cases, and a day-30 arrival check. The loop closes end-to-end — not just at initiation.
Plus nine more downloadable deliverables
Every item personalized to your situation
Plus nine more downloadable deliverables
Every item personalized to your situation
- Day-by-day deadline timeline with calendar export (Google + Apple)
- Pre-call checklist (account #, plan ID, security answers, etc.)
- Custodian-specific known pitfalls (signature guarantees, check-payable wording, employer stock)
- Source-to-destination quirks (Vanguard Admiral, Schwab fractional, etc.)
- Downloadable PDF + Word docs of your full plan
- Step tracker with completion-state persistence
- Live deadline countdown + deadline-anchored email check-ins
- Transfer worksheet (.pdf) — fillable companion form
- CPA hand-off one-pager (.pdf) — give your accountant
$49 once. Could save you five figures.
No subscription. 30-day money-back guarantee.
Free preview first — pay only if it's worth it.
Common questions
Rollover questions, answered straight.
What is the IRS 60-day rollover rule?
If you receive a 401(k) distribution made payable to you (an indirect rollover), you have exactly 60 calendar days from the date of distribution to deposit the full gross amount into a qualifying retirement account. Missing the deadline converts the distribution into taxable income — plus a 10% early-withdrawal penalty if you're under 59½. A direct trustee-to-trustee rollover avoids the 60-day clock entirely because the funds are never paid to you personally.
Will I owe taxes on a 401(k) rollover to an IRA?
A direct trustee-to-trustee rollover from a traditional 401(k) to a traditional IRA is NOT a taxable event — no federal income tax, no penalty. The funds remain tax-deferred until you withdraw them in retirement. Rolling into a Roth IRA (a Roth conversion) IS taxable — the full pre-tax balance becomes ordinary income in the year of conversion. nesthelm's plan models the tax exposure for both paths.
What's the difference between a direct and indirect rollover?
A direct rollover sends funds custodian-to-custodian — no check is cut to you, no 20% mandatory federal withholding, no 60-day clock. An indirect rollover sends a check made payable to you — your old custodian withholds 20% automatically, and you have 60 days to deposit the full gross amount (including the withheld 20%, which you must front from non-retirement cash) into the destination account. Direct rollovers are almost always the right path.
How much does the nesthelm plan cost?
$49 one-time — no subscription, no upsells. Includes the full personalized rollover plan, custodian-specific call script, day-by-day checklist, Alternative Minimum Tax (AMT) modeling for partial Roth conversion, downloadable PDF + Word doc, transfer worksheet, accountant hand-off one-pager, audit-defense PDF, and 5 AI Q&A questions for edge cases. 30-day money-back guarantee.
What if I missed the 60-day window already?
Rev. Proc. 2016-47 allows self-certification for 11 specific qualifying reasons (financial institution error, family death, severe disability, postal error, foreign-country distribution, more). If your situation matches, you can complete the rollover late and avoid the tax. nesthelm offers a free missed-deadline diagnostic at /missed-deadline that walks you through the 11 qualifying reasons and generates the self-certification letter.