SECURE YOUR LEGACY
Find the Hidden Fees Eating Your Old 401(k) — Even If You Already Have an Advisor
30 minutes with a licensed advisor in DFW. We'll show you what's actually in your account and what it costs you each year — no pitch, no obligation.
30 minutes · Completely free · No paperwork signed
By clicking, you'll get one email with your booking link. No mailing list, no follow-up campaigns.
“I finally felt like I understood my retirement options.”
“Professional, straightforward, and easy to talk with.”
“The process was simple and gave me clarity.”
Hidden fees
Investment risk levels
Outdated allocations
Rollover options
Missed opportunities
Over time, these small gaps can turn into costly mistakes.
Do You Have an Old Retirement Account You Haven’t Reviewed?
Awareness
The U.S. Department of Labor estimates there are over $1.35 trillion in forgotten or abandoned 401(k) accounts. If yours is one of them, it could be sitting in a default investment option — often a target-date fund with expense ratios well above market rate — compounding those losses every quarter.
Hidden fees
Investment risk levels
Outdated allocations
Rollover options
Missed opportunities
Over time, these small gaps can turn into costly mistakes.
Do You Have an Old Retirement Account You Haven’t Reviewed?
Awareness
The U.S. Department of Labor estimates there are over $1.35 trillion in forgotten or abandoned 401(k) accounts. If yours is one of them, it could be sitting in a default investment option — often a target-date fund with expense ratios well above market rate — compounding those losses every quarter.
Hidden fees eating your returns
Many plans charge annual administrative fees, fund expense ratios, and wrap fees that quietly reduce your balance — often without a single notification.
Why Reviewing Your Accounts Matters
Importance
Asset allocation drift Markets move
What started as a balanced 60/40 portfolio may have shifted to 80/20 equities over the years — taking on more risk than you originally intended.
Rollover options
That actually fit you Direct rollover, indirect rollover, Roth conversion — each has different tax consequences. Know before you move a dollar.
WHAT HAPPENS NEXT
What Happens After You Book? (30-minute virtual call)
Choose a time that works for you
We review your 401(k), 403(b), IRA, or other accounts together
You get clear options and next steps
Answer a Few Quick Questions
Tell us about your current retirement accounts and what you’d like to review. This helps us understand your situation before the call.
Simple 3-Step 30-Minute Review Process
How Its Work
Choose a Time That Works for You
Pick a convenient time for your free review (30 minutes, done virtually)
Get Your Personalized Review
We review your fund allocations, identify hidden fees, explain your rollover options, and provide a clear written summary of what we found — so your next step is a confident one, not a guess.
Book Free
30-Minute Review
Mistakes
Common Retirement Account Mistakes
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Leaving a 401(k) in a former employer's plan — it stays in their hands, under their rules, often in a default fund
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Ignoring expense ratios: a 1.5% annual fee vs 0.05% can cost six figures over a 25-year horizon
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Triggering a taxable event with an indirect rollover: you have 60 days to redeposit or face income tax + a 10% early withdrawal penalty
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Forgetting to update beneficiary designations after marriage, divorce, or loss
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Letting a target-date fund run unchecked without verifying it aligns with your actual retirement date and risk profile
A simple review can help you avoid these.
Common Questions About Your Retirement Review
FAQ
A Simple, Education-First Approach
Trust
Josh Broach is a licensed financial professional serving individuals and families throughout the Dallas–Fort Worth area and across the country through virtual consultations. Since 2013, he has helped clients review retirement accounts, understand their options, and make informed financial decisions with confidence.
With over a decade of experience, Josh specializes in 401(k) rollovers, IRA consolidation, and retirement planning strategies designed to support long-term financial goals while helping clients navigate tax-efficient opportunities. His approach is centered on education, transparency, and personalized guidance — never high-pressure sales tactics.
Every consultation is conducted one-on-one, ensuring each client receives direct attention, clear explanations, and recommendations tailored to their unique retirement objectives. Whether reviewing existing accounts or planning the next stage of retirement, the focus is always on simplifying complex financial decisions and helping clients feel informed and prepared.
"I finally felt like I understood my retirement options after years of confusion."
“Professional, straightforward, and easy to talk to. No pressure at all.”
“The process was simple and gave me clarity on what I should actually be doing.”
GET IN TOUCH
Book Your Free 30-Minute Retirement Review
You’re simply getting a second opinion on your current accounts
No pressure. No obligation. No requirement to move anything.
This website is for informational and marketing purposes only and does not constitute financial, legal, or tax advice.
By submitting your information, you agree to be contacted regarding retirement planning options and related services.
Products and services may be offered through a licensed financial professional where permitted.
Results are not guaranteed. Financial decisions should be based on your own goals and circumstances.
Limited review slots available each week.
© 2026 Clear Retirement Options. All rights reserved.
Which one sounds like you?
WHO THIS IS FOR
I have an old 401(k) sitting somewhere
You changed jobs in the last 10 years and never moved it. We'll review what's in it, what it costs you, and what your options actually are.
I'm 5–15 years from retirement
Approaching the years where mistakes are hard to undo. We'll look at allocations, fees, and whether your timeline still makes sense.