The decisions a job change triggers — and what happens when they're made in the wrong order or not at all.
A job change is primarily a career decision. The financial side arrives as a cluster of secondary items — rollover timing, vesting cliffs, Roth conversion windows — that need to be handled quickly, in the right order, with real consequences for getting it wrong.
Most professionals handle the obvious ones. The ones with hard deadlines that no one mentioned are the ones that create problems.
Every Plain Brief is built around a specific person in a specific situation — not a hypothetical.
Marcus had $142,000 across three accounts. The $24,000 in unvested employer match would forfeit if he left before the next vesting date. Nobody told him the date was 19 days away.
The Plain Brief is educational content only. It does not constitute personalized financial, legal, or professional advice. The Plain Brief does not sell financial products, earn commissions, or promote strategies. When a situation requires professional guidance, the brief says so explicitly.
Everything you need to understand and act on this decision.
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