Short Form The One Retirement Account Most People Forget to Consolidate

LEGACY INVESTMENT SERVICES

YouTube Short Script  |  June 2025  |  Week 4 - Short 11

TITLE: The One Retirement Account Most People Forget to Consolidate

ADVISOR: Jordan Cassiani

RUNTIME: 55-65 seconds

FORMAT: Vertical 9:16, tight on-camera, no cuts

CTA: Link in bio for complimentary retirement income analysis

Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Legacy Investment Services and Osaic Wealth are separate entities. Content is for educational purposes only. Not investment, tax, or legal advice. All scenarios are hypothetical illustrations.

SCRIPT

The average person changes jobs 12 times over their career. And most people leave a 401(k) behind at at least a few of those employers.

Old 401(k) accounts sitting at former employers are not invested badly on purpose. They are just forgotten. They may have higher fees than what is available today. They may not be in the allocation that makes sense for where you are now. And they create a record-keeping headache when RMDs start, because you have to track required minimum distributions across multiple accounts.

Consolidating old 401(k)s into a current employer plan or into an IRA is one of the simplest financial maintenance tasks available, and most people put it off indefinitely.

A direct rollover from one retirement account to another is generally not a taxable event as long as the money moves directly between institutions and does not pass through your hands. The mechanics are straightforward.

The benefit is clarity. One account. One statement. One place to manage your allocation and track your RMDs. It makes retirement income planning significantly simpler.

If you have old retirement accounts at former employers, this is worth putting on your to-do list this month.

Link in my bio.

PRODUCTION NOTES

Practical and actionable. This is a genuinely useful short that many people in the 55-65 demographic need to hear. Friendly, not judgmental.

Legacy Investment Services  |  Jordan Cassiani  |  Legacy - Consolidate Old 401k Accounts - Short - Week 4