401(k) Rollover and Retirement Planning: What You Need to Know Now

You’ve worked hard, saved what you could, and now retirement is either around the corner or already here. But instead of feeling complete peace of mind, you find yourself wondering…

Will my income be enough to last through all my retirement years?

You're not alone in that question.

We’ve sat across the table from clients who’ve done a great job saving in their 401(k), only to realize they’re not sure what to do next. Questions come quickly—Should I roll it over? Can I turn it into a steady income? How do I make sure I don’t outlive my money?

At McFarlin Capital, we’ve helped families in Middle Tennessee navigate these very same decisions for generations—since 1936, to be exact. Today, our team still operates with the same local values and long-term mindset. We’re here to walk with you, not just for a transaction, but for the journey ahead.

Your 401(k) Was Designed for Growth—But What About Income?

A 401(k) is a powerful tool for saving, but once you’re ready to retire or change jobs, it’s time to start thinking about how to turn that savings into income you can rely on. That’s where a rollover can come in—and where we come in too.

Rolling over your 401(k) into an IRA can give you more control, more flexibility, and potentially more options for income planning. But it’s not just about moving your money—it’s about creating a plan that matches your goals, your timeline, and your lifestyle.

Retirement Planning Should Feel Personal—Because It Is.

At McFarlin Capital, we believe in taking the time to understand what matters to you. Whether you’re a few years from retirement or already enjoying the slower pace, we’ll work with you to design a strategy that brings clarity and confidence.

We help clients answer questions like:

• What’s the best way to roll over my 401(k)?

• How can I make sure I don’t run out of money?

• What income sources can I count on every month?

• How do taxes and inflation affect my retirement plan?

Ready for a Conversation?

You deserve a retirement plan that helps you sleep better at night—not one that keeps you up worrying about what might happen. If you’re looking for guidance you can trust, from a team that knows your community and values your time, we’re here.

Let’s talk about how to create lasting income from the savings you’ve worked so hard to build. Give us a call at (615) 890-1070 today to schedule a no-pressure conversation.

Because your future should be something you look forward to—with confidence.

Securities offered through Arkadios Capital. Member FINRA/SIPC. Advisory services through Arkadios Wealth. McFarlin Capital LLC and Arkadios are not affiliated through any ownership.