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Meet Beagle, your financial
concierge



 * FIND YOUR OLD 401(K)S

 * Discover your 401(k) hidden fees
 * Rollover and save thousands
 * Unlock your 401(k)s and IRA
 * ...and more!

Get Started

WE'VE HELPED PEOPLE FROM
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WHAT WE DO


SOLVE THE COMPLEXITIES IN YOUR JOURNEY TOWARDS RETIREMENT

FIND YOUR OLD 401(K)S

Beagle will track down all your old 401(k)s for you. Sign up only takes 3
minutes.

FIND THE HIDDEN FEES

Beagle can show you all of the hidden fees that are robbing your retirement of
thousands of dollars.

HASSLE-FREE ROLLOVER

With 1 click, you could rollover to a better retirement account, save thousands
and never worry about tracking your 401(k)s again.

UNLOCK OLD 401(K)S/IRA

Beagle enables you to borrow from old 401(k)s/IRA at 0% net interest. Why pay
high interest on credit cards or personal loans?


WHAT YOU GET


PEACE OF MIND

IT’S NOT CHUMP CHANGE

With the average person changing jobs every 4 years, over $3.1 trillion dollars
have been left behind at old jobs collecting huge fees. And with the average
401(k) account worth $112,300, a single lost account can really affect your
retirement.


NEVER LOSE YOUR MONEY AGAIN

At Beagle, we were tired of how hard it was to keep track of our old 401(k)
accounts. We never knew where they all were, if they were making money or what
fees we were paying. That’s why we made the easiest way to find all of your
401(k)s.


KNOW EXACTLY WHAT YOU’RE PAYING

The average 401(k) charges a whooping .97% or more in fees! That could be
costing you 28% of all your retirement money. Let Beagle find all of those fees
for you so that you know how much you are losing.


ALL YOUR MONEY IN THE SAME PLACE

Beagle combines all your 401(k)s in one place so you always know where they are
and could cut your current fees by up to 3x. We take care of the whole rollover
process and you can sit back and relax.


ACCESS TO 401(K)S BEFORE YOU RETIRE

Beagle unlocks your old 401(k)s and IRA so that you can take a loan from them at
0% net interest (all interest paid back to yourself)! Stop paying high interest
on credit card debt or personal loans.

Get started




FAQ


WE ARE HERE TO HELP

WHAT’S A 401(K) PLAN?

A 401(k) is a retirement plan that employers provide to their employees.
Employees contribute to the 401(k) through automatic paycheck deductions. The
employer may match part or all of the employee’s contribution up to the dollar
limit determined by the Internal Revenue Service (IRS), which is $19,500 for
employees under 50 years, and $26,000 for employees 50 years and above in
2020/21, or 100% of the employee’s wages, whichever is higher. For example, the
employer may contribute 40 cents for every dollar that the employee contributes.

Employees enjoy a tax break on their 401(k) contributions. The contributions
deducted from the employee's paycheck are automatically invested in specific
investments from a list of available offerings that may include stocks, mutual
funds, bonds, employer's own stock, and guaranteed investment contracts. These
investments are typically tax-free, until after the employee withdraws the
earnings after retirement. If the employee withdraws the earnings
post-retirement, the money is taxed at the ordinary tax rate, depending on their
tax bracket. For Roth 401(k) withdrawals, the money can be tax-free.

HOW DO I FIND MY OLD 401(K)?

If you are trying to find the money left in your former employer’s 401(k), here
are possible places to find them:

Old 401(k) under your employer’s management. Contact the human resource
department of your former employer to help you trace your old 401(k). You may be
required to provide your social security number and dates of employment. In a
new 401(k) account set up by the plan administrator. Forced transfer IRAs. If
your 401(k) has less than $5000, the plan administrator may have transferred the
balance into an IRA in your name at a bank or other financial institution. In
the state’s unclaimed property division. If the employer terminated its 401(k)
plan, the funds could have been deposited with the state’s unclaimed property
fund. The money was cashed out. The plan administrator could have cashed out,
and transferred the funds to the state or bank account. Since the IRS considers
this type of transfer a distribution, it is subject to income tax and penalties.
The plan administrator may withhold part of the funds to pay the IRS.

If you are trying to find your old 401(k), you can use an online service such as
Meetbeagle.com. Beagle allows you to track your old 401(k) to see the hidden
fees charged to your account, and rollover to a better retirement account with
just one click.

WHAT ARE 401(K) FEES?

401(k) fees are the costs charged to your 401(k), and they range anywhere from
0.5% to 2% of the value of assets, depending on the plan provider, size of the
employer's 401(k) plan, and the number of participants.

The US Department of Labor groups the 401(k) fees into the following categories:

Investment Fees: These fees are charged as a percentage of the value of assets.
They represent the investment management fees that investment managers charge to
help maximize the profit potential. Administration Fees: The bank or other
financial institutions managing your 401(k) funds charge administration fees to
cover day-to-day operating costs such as recordkeeping, legal, and accounting
costs. The fees may be charged as a flat fee or as a percentage of the total
value of assets under management. Individual Service Fees: These are one-off
fees charged for specific services such as processing a 401(k) loan,
distributing funds, or for financial advisory services.

WHAT'S A 401K ROLLOVER?

A 401(k) rollover is a transfer of funds from your 401(k) plan account to a new
plan or Individual Retirement Plan. When you move between jobs, you can transfer
your old 401(k) to the new employer’s 401(k) plan or a retirement plan provided
by a financial institution, also known as an IRA. An IRA allows you to invest in
almost every type of asset, including stocks, mutual funds, real estate
investment trusts (REITs), bonds, etc.

The IRS requires retirement plan distributions to be transferred to a 401(k) or
IRA within 60 days to enjoy tax breaks. A 401(k) rollover can take the following
two forms:

Direct rollover

A direct rollover is where the funds from the 401(k) are transferred
electronically into the IRA without going through the account holder, also known
as custodian-to-custodian transfers.

Indirect Rollover

An indirect rollover is where the 401(k) institution sends a paper check to the
account holder, who is then required to deposit the check to the new IRA. The
401 (k) administrator may withhold 20% tax from your savings. You must deposit
the full account balance, including the amount withheld as taxes, within 60 days
from the date you received the distribution.

For example, if the 401(k) account balance was $15,000, and the employer mails
you a check for $12,000, $3,000 or 20% is withheld for taxes, and deposit the
full balance of $15,000 into the new retirement account. The IRS will refund you
the $3000 that the employer held back as tax.

View more

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This website, including all content, technology, services and related
intellectual property, is the proprietary information of Beagle Financial
Services, Inc. and its subsidiaries and affiliates, including Beagle Invest,
LLC. All copying, distribution, transmission, republication and any other
unauthorized use and access are prohibited. Usage will be monitored.

Beagle, Beagle Invest and Beagle Financials and any related logos and slogans
are registered trademarks or trademarks of Beagle Financial Services, Inc.
and/or Beagle Invest, LLC (as applicable).

Beagle Invest, LLC is an SEC Registered Investment Advisor. Apex Clearing
Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC,
provides clearing and execution services and serves as qualified custodian for
advisory assets of Beagle Invest, LLC clients. Securities in accounts are
protected up to $500,000 (https://www.sipc.org).

By using this website, you understand that the information being presented is
provided for informational purposes only and agree to our Terms of Use and
Privacy Policy. Articles and customer support materials available on this
website are for educational purposes only. Use of third party company logos does
not imply any affiliation with or endorsement by those companies. Beagle Invest,
LLC reserves the right to restrict or revoke any and all offers at any time.

Investing involves risk, including loss of principal. Past performance does not
guarantee future results. Consider your investment objectives and Beagle Invest,
LLC fees and expenses before investing. Fees for individual ETFs in the
portfolios will reduce a client’s return and fee information can be obtained in
the individual ETF’s prospectus.

Suggested portfolio recommendations for each client are dependent upon current
and accurate financial and risk profiles. Clients should promptly update their
profile information on the Beagle website when financial circumstances or
investment objectives change.

When deciding whether to rollover a retirement account, you should carefully
consider your personal situation and preferences. Information provided by Beagle
is only for general purposes and is not intended to replace any individualized
recommendations for you to follow a particular suggestion. You should consider
all the factors that should be evaluated in a rollover decision including
investment options, fees, expenses, penalties and account protections from legal
and creditor risks, and make a comparison to your current retirement account.
You should consult with your own financial and tax advisor before making a
rollover decision.

Beagle Invest, LLC offers Individual 401(k) accounts with loan provisions that
allow for participant loans at an interest rate equal to the prime rate plus 1-2
percentage points. Interest on loans paid by clients is contributed back into
the client’s Individual 401(k) accounts. Interest paid on loan is non
tax-deductible. Loans taken from an Individual 401(k) account can impact the
401(k) account’s investment value, reducing the opportunity to grow the
investment. The risks of taking loans from Individual 401(k) accounts should be
considered carefully.

Please review our Form CRS, Form ADV Part II and other additional important
risks and disclosures on https://meetbeagle.com/legal

Registration as an investment adviser does not imply a certain level of skill or
training, and the content of this communication has not been approved or
verified by the United States Securities and Exchange Commission or by any state
securities authority. All investments carry risk, and no investment strategy can
guarantee a profit or protect from loss of capital.

The information contained on this Website is not intended as, and shall not be
understood or construed as, tax advice. It is not a substitute for tax advice
from a professional.



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