In many cases, rolling your company retirement plan assets to an IRA after you leave an employer makes sense. But if there is company stock involved, there may be a better tax option. If you are age 55 or older and quit working for whatever reason, you may be better off taking your company stock directly rather than rolling it to an IRA. Called “net unrealized appreciation,” this tax treatment allows you to in essence have the company stock taxed as long-term capital gains rather than ordinary income. The upshot? The tax savings can be significant.
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