10/13/2026
One of the first families Kristin worked with arrived carrying a thick stack of financial statements. As she sorted through the pages, she found an old account from a job held 15 or 20 years earlier. The balance was about $75,000. Their reaction was immediate: “Oh, I forgot all about that.”
It sounds hard to imagine—until you think about how many jobs, benefit providers, passwords, statements, and advisors can accumulate over a career. Small accounts get left behind. Beneficiaries go unchanged. Investments overlap. No one account is necessarily wrong, but the full picture becomes difficult to see.
The takeaway is not to move every old account automatically. It is to make an inventory. Know what you own, why you own it, what it costs, and how it works with the rest of your retirement plan. Clarity starts with finding every piece.
Have you checked for old workplace retirement accounts?
