Built for households with $2M–$30M in assets.
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📋 Plan within 6 months

A major job change — promotion, new employer, or departure — creates a cascade of financial and estate planning decisions that most people handle reactively.

Retirement account rollovers, equity compensation transitions, beneficiary updates, and insurance gaps all emerge from job changes. At the $2M–$30M level, the size of these decisions warrants deliberate planning.

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What changes at the $2M–$30M level

Employer-provided life and disability insurance ends at termination — gap coverage must be secured immediately
Unvested equity compensation may be forfeited or accelerated depending on departure terms
Old 401(k) should be rolled over — leaving it with a former employer has administrative and investment risks
New equity compensation (RSUs, options, ESPP) requires updated beneficiary and estate planning consideration
Income change affects Social Security benefit calculations, retirement projections, and potentially estate tax threshold timing

Your action plan

Ordered by urgency. Items marked "Immediate" should be addressed within 60–90 days.

⚡ Immediate priority
1
Secure individual disability and life insurance before leaving employer coverageImmediateWithin 14 days

COBRA covers health insurance but not disability or life. Individual disability insurance has a 30–90 day underwriting window — start immediately.

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2
Roll over old 401(k) to an IRA or new employer planImmediateWithin 60 days

A 60-day rollover window applies for indirect rollovers. Direct rollovers have no deadline but should be completed promptly.

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⏰ Within 90 days
3
Understand unvested equity treatment under departure termsWithin 90 daysWithin 30 days

Vesting acceleration, clawback provisions, and post-termination exercise windows vary by company and agreement. Know your terms.

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4
Update beneficiary designations on rolled-over accountsWithin 90 daysWithin 60 days

A rolled-over IRA is a new account — beneficiary designations do not transfer automatically.

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📋 Within 6 months
5
Update retirement projections with new income and compensation structureWithin 6 months

A major income change affects your retirement timeline, Social Security benefits, and savings rate projections.

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5-Question Assessment

How prepared are you for major job change?

Answer 5 questions and get a personalized readiness score with specific gaps identified.

1. Have you secured individual disability and life insurance to replace employer coverage?
2. Has the old employer 401(k) been rolled over?
3. Do you understand the treatment of unvested equity under your departure terms?
+ 2 more questions
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A fiduciary advisor can model the financial impact and coordinate strategy across your full picture.

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