--- title: Changing Jobs in 2017? Take Your Retirement Savings With You description: If you're changing jobs in 2017, RCH's President & CEO Spencer Williams advises retirement savers to consolidate their savings into their current-employer plan. image: http://blog.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png --- [![Retirement Clearinghouse Logo](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/logo.png?width=1000&height=648&name=logo.png "Retirement Clearinghouse Logo")](https://rch1.com/) [Privacy Policy](https://securities.rch1.com/common/PrivacyStatement.pdf) [Sponsors/Service Providers](https://rch1.com/plan-sponsors) [Individuals](https://rch1.com/individuals) [Login](https://rch1.com/#) - [Home](https://rch1.com/home-page) - [Individuals](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals/individuals-home) - [Who is RCH?](https://rch1.com/individuals/who-is-rch) - [Why Does RCH Have My Retirement Savings?](https://rch1.com/individuals/why-does-rch-have-my-retirement-funds) - 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Take Your Retirement Savings With You #### [By Neal Ringquist](https://blog.rch1.com/blog/author/neal-ringquist) | January 3, 2017 ![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")In his [latest article in MarketWatch](http://www.marketwatch.com/story/changing-jobs-in-2017-take-your-retirement-savings-with-you-2016-12-31), posted on New Year’s Eve, RCH President, CEO and RetireMentor [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) counsels those who switched jobs in 2016 to make their New Year’s resolutions to roll-in all of their retirement savings accounts – not just the account in their most recent prior-employer plan – into their new-employer plan. For any account that’s not yet rolled in to a current-employer plan, Williams strongly urges that savers update their current contact details. Williams further advises savers to take steps to find and consolidate old employer accounts that have been rolled to [safe harbor IRAs](https://www.rch1.com/safe-harbor-ira).  This step is particularly important, says Williams, as safe harbor IRAs can carry fees that surpass the earnings of their “safe” investment vehicles. Finally, Williams advises all retirement savers to avoid the temptation of cashing out, particularly during the holiday season, when many savers will accrue holiday-related bills. Following these steps in 2017 will set retirement savers on a path to retirement readiness.  [Back](https://blog.rch1.com/blog) [![Retirement Clearinghouse An RLJ Company](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/footer_logo.png?width=1000&height=648&name=footer_logo.png "Retirement Clearinghouse An RLJ Company")](https://rch1.com/) 1916 Ayrsley Town Boulevard Suite 200 Charlotte, NC 28273 - [Individuals](https://rch1.com/individuals) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [Auto Portability](https://rch1.com/auto-portability) - [Company](https://rch1.com/company) - [News & Information](https://rch1.com/news) - [Mission](https://rch1.com/company/mission) - [Careers](https://rch1.com/company/careers) - [Contact Us](https://rch1.com/contact-us) - [Logins](https://rch1.com/#) - [Disclosure Central](https://rch1.com/individuals/learning-center/resources-%26-downloads) - [Do Not Sell or Share](https://blog.rch1.com/blog/take-your-retirement-savings-with-you-in-2017#decline-cookies) - [My Personal Information](https://blog.rch1.com/blog/take-your-retirement-savings-with-you-in-2017#decline-cookies) - - - Individuals should consult their tax advisers or legal counsel for advice and information concerning their particular situation. Retirement Clearinghouse does not give legal, investment, or tax advice. IRA account fees and product information provided by Retirement Clearinghouse, LLC is subject to change without notice at the discretion of the IRA Provider. RCH Shareholder Services is a wholly owned subsidiary of Retirement Clearinghouse, LLC and a registered transfer agent with the U.S. Securities and Exchange Commission. © 2026 Retirement Clearinghouse, LLC. This site is directed at, and made available to, persons in the U.S. and Puerto Rico. [Sitemap](https://rch1.com/sitemap)