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Here are three reasons to consider doing some retirement account housekeeping.The successful growth of the 401(k) plan marked a change from employers taking care of employees via a pension plan to employees needing to do-it-yourself.It is not uncommon to have multiple 401(k) accounts after switching jobs several times over a career.According to a Fidelity survey, almost a third of people who transitioned jobs were not sure what to do with their old 401(k) or 403(b).Like trophies of your employment past, you've managed to accumulate a workplace savings plan for every job you've had.

New Puzzle Though retirement experts of all kinds are familiar with the problem, no one knows how many Americans are juggling multiple 401(k)s and IRAs.This content is not intended as tax advice, and Wealthfront does not represent in any manner that the tax consequences described herein will be obtained or that Wealthfront's tax-loss harvesting strategies, or any of its products and/or services, will result in any particular tax consequence.The tax consequences of the tax-loss harvesting strategy and other strategies that Wealthfront may pursue are complex and uncertain and may be challenged by the IRS.Along with the loss of the company pension and the proliferation of the self-directed retirement plan — 401(k)s are the most common form — is a job-churning labor market.“People who shift from job to job, they accumulate them," says Rick Meigs, president of the non-profit 401 Meigs say his organization gets three or four queries a week from people who’ve lost track of a 401(k) at a former employer.

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