--- title: RCH Consolidation Corner | 401k Consolidation (14) description: 401k Consolidation | Keep up to date on all of the latest industry news with RCH1 (14) --- [![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) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - 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[Roll-In](https://blog.rch1.com/blog/topic/roll-in) - [Safe Harbor IRA](https://blog.rch1.com/blog/topic/safe-harbor-ira) - [Saver's Match](https://blog.rch1.com/blog/topic/savers-match) - [Security](https://blog.rch1.com/blog/topic/security) - [Small Accounts](https://blog.rch1.com/blog/topic/small-accounts) - [Stale Dated Checks](https://blog.rch1.com/blog/topic/stale-dated-checks) - [Synthetic Tenure](https://blog.rch1.com/blog/topic/synthetic-tenure) - [Uncashed Check Services](https://blog.rch1.com/blog/topic/uncashed-check-services) - [Uncashed Distribution Checks](https://blog.rch1.com/blog/topic/uncashed-distribution-checks) - [Video](https://blog.rch1.com/blog/topic/video) - [Webcast](https://blog.rch1.com/blog/topic/webcast) - [What is a Missing Participant?](https://blog.rch1.com/blog/topic/what-is-a-missing-participant) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) Posts about # 401k Consolidation (14) ### Consolidation Corner Blog Consolidation Corner is the Retirement Clearinghouse (RCH) blog, and features the latest articles and bylines from our executives, addressing important retirement savings portability topics. --- Nov 07 2016 ## [A Roll-In in Time Saves Far More Than Nine](https://blog.rch1.com/blog/a-roll-in-in-time-saves-far-more-than-nine) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/a-roll-in-in-time-saves-far-more-than-nine-2016-11-04)In his latest [MarketWatch RetireMentors](http://www.marketwatch.com/retirement/mentors) column, RCH CEO Spencer Williams modifies the familiar proverb “a stitch in time saves nine” for the benefit of 401(k) savers who have multiple retirement savings accounts. A [roll-in](http://www.marketwatch.com/story/let-a-roll-in-help-increase-your-retirement-income-2015-10-02) becomes the equivalent of the stitch, saving participants considerable time and money as they change jobs. [Read More](https://blog.rch1.com/blog/a-roll-in-in-time-saves-far-more-than-nine) Oct 19 2016 ## [Why our retirement system is broken](https://blog.rch1.com/blog/why-our-retirement-system-is-broken) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/why-our-retirement-system-is-broken)It’s ironic that, as we observe another “National Save for Retirement Week,” the retirement system we have in this country isn’t really a “system” at all. [Read More](https://blog.rch1.com/blog/why-our-retirement-system-is-broken) Oct 17 2016 ## [A Different ‘Save’ to Consider During ‘National Save for Retirement Week’](https://blog.rch1.com/blog/a-different-save-to-consider-during-national-save-for-retirement-week) **![Sen. Kent Conrad ](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Conrad-Hero-1040x600.jpg?width=200&name=Conrad-Hero-1040x600.jpg "Sen. Kent Conrad ")**By Neal Ringquist and Tom Hawkins As we prepare to observe National Save for Retirement Week (also known as “National Retirement Security Week”), scheduled for October 16-22, it’s a great opportunity to remember why we, as individuals, need to save for our retirement. But the sobering reality is that we are all being called upon to *save retirement itself*—by rescuing a retirement system that doesn’t work for millions of hardworking Americans. [Read More](https://blog.rch1.com/blog/a-different-save-to-consider-during-national-save-for-retirement-week) Oct 05 2016 ## [How You Should Observe ‘National Save for Retirement Week’](https://blog.rch1.com/blog/how-you-should-observe-national-save-for-retirement-week) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/how-you-should-observe-national-save-for-retirement-week-2016-10-05)In his most recent article in [MarketWatch](http://www.marketwatch.com/), RCH’s [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) notes the upcoming ‘[National Save for Retirement Week](http://www.icmarc.org/retirement-week.html)’ event, and employs some clever word-association that has readers re-thinking the meaning of the word “save.” [Read More](https://blog.rch1.com/blog/how-you-should-observe-national-save-for-retirement-week) Sep 22 2016 ## [The One Solution Everyone in DC Agrees Upon: We Need Consolidation](https://blog.rch1.com/blog/one-solution-everyone-in-dc-agrees-upon-we-need-consolidation) ![Washington DC at night](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/washingtonDCnight.jpg?width=200&name=washingtonDCnight.jpg "Washington DC at night")This summer, there’s one topic that everyone in Washington, D.C. seems to agree upon: the importance of consolidation in protecting Americans’ retirement security. [Read More](https://blog.rch1.com/blog/one-solution-everyone-in-dc-agrees-upon-we-need-consolidation) Sep 20 2016 ## [Why helping employees review 401(k)s isn’t a mission impossible](https://blog.rch1.com/blog/why-helping-employees-review-401ks-isnt-a-mission-impossible) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/why-helping-employees-review-401-k-s-isnt-a-mission-impossible)Hey, plan sponsors: Imagine for a moment that your active participants are Tom Cruise from *Mission: Impossible* (or Barbara Bain, Peter Graves and Martin Landau, for those of us who remember the classic TV series). [Read More](https://blog.rch1.com/blog/why-helping-employees-review-401ks-isnt-a-mission-impossible) Sep 13 2016 ## [Consolidation: Make the Smart Decision the Easiest Decision](https://blog.rch1.com/blog/consolidation-make-the-smart-decision-the-easiest-decision) ![Boston Research Technology America's Mobile Workforce](https://blog.rch1.com/hs-fs/hubfs/Publications/BRT/BRT2.png?width=200&name=BRT2.png "Boston Research Technology America's Mobile Workforce")“Make the smart decision the easiest decision” seems like an obvious goal for plan sponsors when designing participant-directed retirement plans, and it’s certainly driven the rapid adoption of the autos—auto enrollment, auto deferral escalation, and auto investment options, such as target-date funds and managed accounts. [Read More](https://blog.rch1.com/blog/consolidation-make-the-smart-decision-the-easiest-decision) Sep 07 2016 ## [Making Your Day, Re-Visited: When Retirement Savers’ Luck Runs Out](https://blog.rch1.com/blog/making-your-day-re-visited-when-retirement-savers-luck-runs-out) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/are-you-still-feeling-lucky-401k-saver-2016-09-07)In his most recent [article in MarketWatch, "Are you still feeling luck, 401(k) saver?"](http://www.marketwatch.com/story/are-you-still-feeling-lucky-401k-saver-2016-09-07) RCH’s [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) reprises last year’s [7/10/15 article](http://www.marketwatch.com/story/do-you-feel-lucky-401k-saver-well-do-you-2015-07-10) where he channeled Clint Eastwood’s iconic movie hero “Dirty Harry” Callahan. Just like the movie villains whose luck ran out at the hands of Dirty Harry, retirement savers who strand their 401(k) accounts must run a gauntlet of decidedly unlucky outcomes – including involuntary cashouts, automatic rollovers and savings-depleting fees. [Read More](https://blog.rch1.com/blog/making-your-day-re-visited-when-retirement-savers-luck-runs-out) Sep 07 2016 ## [Why retirement portability should become employers’ next big focus](https://blog.rch1.com/blog/why-retirement-portability-should-become-employers-next-big-focus) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/why-retirement-portability-should-become-employers-next-big-focus)Have you ever received a letter with the notice “Time Sensitive Material! Open Immediately!” boldly splashed across the outside of the envelope, only to sigh with disappointment with what’s on the inside?  While the disappointment of false advertising so often seems to be the case with “junk mail,” the warning turns out to be true when we examine the behaviors of retirement plan participants who have recently changed jobs. [Read More](https://blog.rch1.com/blog/why-retirement-portability-should-become-employers-next-big-focus) Aug 02 2016 ## [Brexit Reminds Retirement-Savers Why Account Consolidation is Important](https://blog.rch1.com/blog/brexit-reminds-retirement-savers-why-account-consolidation-is-important) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/brexit-shows-the-importance-of-account-consolidation-2016-08-02)In his [most recent article in MarketWatch](http://www.marketwatch.com/story/brexit-shows-the-importance-of-account-consolidation-2016-08-02), RCH’s [Spencer Williams](https://www.rch1.com/corporate-profile/management-team/j-spencer-williamsfounder-president-and-ceo) cites the recent market trauma experienced in the wake of the United Kingdom’s decision to exit the European Union (“[Brexit](http://www.marketwatch.com/story/brexit-just-sparked-the-worst-global-stock-rout-ever-sps-silverblatt-2016-06-27)”) as a good reason for retirement-savers to consolidate their accounts. [Read More](https://blog.rch1.com/blog/brexit-reminds-retirement-savers-why-account-consolidation-is-important) Page: [‹](https://blog.rch1.com/blog/topic/401k-consolidation/page/13) [12](https://blog.rch1.com/blog/topic/401k-consolidation/page/12) [13](https://blog.rch1.com/blog/topic/401k-consolidation/page/13) [14](https://blog.rch1.com/blog/topic/401k-consolidation/page/14) [15](https://blog.rch1.com/blog/topic/401k-consolidation/page/15) [16](https://blog.rch1.com/blog/topic/401k-consolidation/page/16) [›](https://blog.rch1.com/blog/topic/401k-consolidation/page/15) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - [Blog](https://blog.rch1.com/blog) - [401k Cash Outs](https://blog.rch1.com/blog/topic/401k-cash-outs) - [401k Consolidation](https://blog.rch1.com/blog/topic/401k-consolidation) - [401k Plan Termination](https://blog.rch1.com/blog/topic/401k-plan-termination) - [America's Mobile Workforce](https://blog.rch1.com/blog/topic/americas-mobile-workforce) - [Assisted Roll-in](https://blog.rch1.com/blog/topic/assisted-roll-in) - 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