Retiring? Changing jobs?

Whether you’re retiring or moving into a different job, one of the most important decisions you face as you leave Case Western Reserve University is what to do with the savings you’ve accumulated.

You may want to explore your options at vanguard.com/retirementplans.

At vanguard.com, you can:

• Roll over retirement assets.
• Get investment advice tailored to your needs.
• And more.

If you prefer, you can speak to a Vanguard Participant Services associate at 800-523-1188 Monday through Friday from 8:30 a.m. to 9 p.m., Eastern time.

Whether you keep your money where it is, move it to an IRA, or move it to another employer’s plan depends on your situation and preferences. Some things to consider are available investments and services, fees and expenses, and protection from creditors. Also consider withdrawal penalties, required distributions, and the tax effects of moving company stock to an IRA. There are other factors too. Weigh the pros and cons before you make your decision.

Whenever you invest, there’s a chance you could lose the money.