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Make The Right Decisions About Your Retirement
We analyze your complete financial picture and the company's 401(k) rollover options to recommend the best path for your timeline and retirement goals.
Personalized Rollover Analysis - Compare all options based on your specific situation
Complete Retirement Strategy - Beyond rollovers to tax planning, healthcare costs, and estate coordinations
No Product Sales Pressure - Independent advice without quotas or proprietary products
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Are You Making Your Company's 401(k) Rollover Decision Without Seeing the Bigger Picture?
When you're approaching retirement or changing jobs, most advisors focus only on moving your money rather than how this decision fits into your retirement strategy. This narrow approach can leave you with scattered accounts and missed opportunities.
Here's what we commonly see with typical company's 401(k) rollover advice:
Product sales disguised as advice that pushes high-fee annuities or investments regardless of your goals
Hidden fees and poor performance in recommended rollover options compared to your current plan
Generic recommendations that ignore your age, timeline, tax situation, and specific retirement goals
No ongoing relationship leaving you to navigate complex retirement decisions alone after the rollover
Missing tax strategies like Roth conversions or withdrawal timing that could save thousands
No fiduciary commitment meaning they can recommend "suitable" options even when better choices exist
How We Help You Make the Right
Company's 401(k) Decision
Instead of pushing products or rushing your decision, we take time to understand your complete financial picture and guide you through every step of the process.
Your Complimentary Consultation
Schedule a call to discuss your retirement goals, review your current company's 401(k) options, and analyze your complete financial situation.
Receive Your Personalized Analysis
We'll compare all your rollover options and create a tailored strategy that aligns with your timeline, goals, and tax situation.
We Handle the Entire Process
After you approve the plan, we manage all paperwork, transfers, and coordination to make your rollover completely hassle-free.
Get a Complete Retirement Strategy Review, Not Just Rollover Advice
Our free consultation goes beyond simple product recommendations to analyze your entire financial picture and retirement readiness.
Compare All Your Company's 401(k) Options: We'll analyze whether rolling to an IRA, transferring to a new employer plan, or keeping funds where they are makes the most sense for your situation.
Assess Your Complete Financial Picture: Review your risk tolerance, timeline to retirement, income needs, and other accounts to create a strategy that fits your specific goals and circumstances.
Uncover Hidden Costs and Performance Issues: Identify fees you may not know about, analyze fund performance, and determine if your current investments align with your retirement timeline and risk comfort level.
Develop Your Personalized Action Plan: Get specific recommendations for portfolio allocation, tax strategies, withdrawal planning, and next steps to help you move forward with confidence and clarity.
Our Complete Retirement Planning Approach
We provide ongoing fiduciary guidance and personalized strategies to help you navigate retirement with confidence and peace of mind.
One Clear Plan
See everything in one place – no more scattered accounts or mystery statements affecting your retirement readiness.
Fiduciary Commitment
Your interests come first, always – and in writing. We're legally bound to act in your best interest.
Personalized Strategies
Plans built for real life. Customized for your goals, income, taxes, and timeline rather than generic models.
Transparent Pricing
No hidden layers, no upsells, no surprises. You know exactly what you're paying for ongoing advisory services.
Compliance Monitoring
Your advisor, not a call center. A real human who knows your name and your financial situation.
Proactive Tax Planning
Keep more of your money, before and after retirement, with strategies tailored to your income and timeline.
Deadline Management
We stay ahead of RMDs, tax changes, and Social Security rules so you don't miss important opportunities.
Healthcare Planning
Plan for Medicare, long-term care, and inflation so unexpected costs don't derail your retirement lifestyle.
Clear Pricing, Complete Service
Our asset-based fees range from 25 to 100 bps (0.25% to 1.00%) and decrease as your assets grow, with comprehensive financial planning and fiduciary protection included at no additional cost.
Retirement Plan Services
Portfolio Plan Management
$2,500 Value
Fiduciary Protection
$1,000 Value
Regular Plan Reviews
$500 Value
Monitored Portfolio Fund Line up
$500 Value
Personalized Financial Planning
$2,500 Value
Total Value: $6,500+
Get all of this for 25bps - 100 bps!
All included in your management fee
Our fees decrease as your assets grow
Set up your free consultation now!
5.0 based on 130+ reviews
Client Success Stories
See how we've helped other professionals gain clarity and confidence in their retirement strategy and financial decisions.
"Langan Financial Group is a 'wealth' of information 
.
There is never a rush during conversations, and all questions are answered thoroughly.
I am comfortable allowing Langan to manage my assets into retirement. The comfort in developing a plan is reassuring.
There is no sales pitch to sell any product and they work with you, rather than push products for a commission.
There is a reason they have all the 5 star reviews and once you meet with them you'll understand why."
Craig Clewell
“My investments have done well. I have full confidence in this group. My family now invests with them. They have gone beyond the call of duty in caring for my family.
They didn't know this: When my husband died, I had an outside advisor review my investments.
His advice? Stay with success.”
Ann Swift
"We transferred all our assets to Langan Financial Group upon retiring from federal civil service.
As a person with no financial background, I needed someone who could be trusted to manage our assets with sincere interest in looking after our welfare and the good judgment to do that well.
Bob Langan and his crew at Langan Financial Group are just that! We couldn't be happier with our decision.
Every recommendation he has made has rebounded to our benefit!"
GK Cunningham
Frequently Asked Questions
Need more information? You can find it here.
Stop Second-Guessing Your Retirement Decisions
Set up your free consultation and get honest, fiduciary advice about your company 401(k) options.
Personalized Analysis - Compare all rollover options for your situation
Complete Strategy - Tax planning and estate coordination included
No Sales Pressure - Independent advice without product quotas
5.0 based on 130+ reviews
IMPORTANT LEGAL DISCLOSURE
Educational Use Only: This Fiduciary Risk Assessment and all accompanying materials are provided solely for educational and informational purposes. They are not intended to constitute, and should not be construed as, legal advice, tax advice, fiduciary advice, compliance determinations, audit findings, or regulatory opinions.
Statutory Penalties and Excise Taxes: Any references to statutory penalties or excise taxes are provided for general educational context only. They describe potential outcomes under applicable law and do not represent determinations, predictions, guarantees, or assurances of enforcement action, assessment, or liability.
No Regulatory Determination: This report does not constitute, and should not be interpreted as, a determination of compliance or non-compliance by the U.S. Department of Labor, Internal Revenue Service, Securities and Exchange Commission, or any other governmental authority.
No finding of fiduciary breach, prohibited transaction, statutory violation, or enforcement exposure is made or implied.
No Causation or Fault Attribution: References to potential penalties, excise taxes, enforcement actions, settlements, litigation outcomes, or regulatory remedies are presented solely for general educational purposes.
Such references do not imply that any violation has occurred, that any loss has been caused, or that any party bears responsibility or liability.
Illustrative Examples: Any numerical examples, penalty illustrations, historical references, or hypothetical scenarios are provided for explanatory purposes only.
They are not predictions or projections of likely outcomes and are not based on an examination of the specific facts, transactions, service arrangements, or fiduciary processes of any particular plan.
Regulatory Discretion: All statutory penalties, excise taxes, and enforcement remedies referenced are subject to regulatory discretion, mitigation programs, correction procedures, statute-of-limitations rules, settlement practices, and fact-specific determinations.
Actual assessments, if any, may be higher, lower, or zero, depending on the circumstances and any corrective actions taken.
No Reliance; No Professional Relationship: This report should not be relied upon as a basis for any investment, legal, tax, fiduciary, or business decision. Use of this assessment does not create an attorney-client, advisor-client, auditor-client, fiduciary, or other professional relationship.
Langan Financial Group, LLC, its affiliates, and representatives do not assume any duty of care, fiduciary responsibility, or advisory obligation as a result of providing this assessment.
User-Provided Information: This assessment is based solely on information self-reported by the user. No independent verification, audit, or validation of the accuracy or completeness of such information has been performed. Results and classifications may be materially affected by incomplete, inaccurate, or omitted information.
No Guarantee of Outcome: Nothing in this report should be interpreted as a guarantee, prediction, or assurance regarding audit selection, regulatory inquiry, enforcement action, litigation outcome, penalty amount, settlement result, or financial impact.
Limitation of Liability: To the fullest extent permitted by law, Langan Financial Group, LLC disclaims any liability for direct, indirect, incidental, consequential, or special damages arising from the use of or reliance upon this assessment.
COMPOUNDING RISK ANALYSIS: When multiple fiduciary failures exist within the same category or across related areas, overall risk exposure may compound significantly.
In certain cases, courts and the Department of Labor have found that patterns of unresolved governance gaps may indicate systemic process weaknesses, potentially leading to broader remediation requirements and heightened regulatory scrutiny.
Assessment Result: Based on your responses, no category escalation indicators were identified.
COMPOUNDING RISK ANALYSIS: When multiple fiduciary failures exist within the same category or across related areas, overall risk exposure may compound significantly. Courts and the Department of Labor have, in certain cases, found that patterns of unresolved governance gaps could indicate systemic process weaknesses, which may lead to broader remediation requirements and heightened scrutiny. Based on your assessment, no category escalation indicators were identified.
Testimonials reflects the experiences of a current or former clients of Langan Financial Group, LLC. The clients were not compensated for these testimonials, and no material incentives were provided in exchange for the statements. Individual experiences may vary, and these testimonials are not indicative of future performance or success. Investing involves risk, including the potential loss of principal. No testimonial should be construed as a guarantee of any specific investment, planning outcome, or financial result.
Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Cambridge and Langan Financial Group, LLC. are not affiliated. Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC, to residents of: AL, AZ, CO, DE, FL, GA, KY, MD, NJ, NM, NY, NC, OH, PA, RI, TX, VA Cambridge and Langan Financial Group does not offer legal advice. Estate planning services are in regards to your overall financial plan. Always be sure to speak to a legal professional in regards to specific legal matters. Fixed insurance services offered through Langan Financial Group. https://www.joincambridge.com/investors/cambridge-disclosures/form-crs/
© Langan Financial Group
Harrisburg, PA Office
Address: 1863 Center St, Camp Hill, Pa 17011
Phone: 717-288-1880
York, PA Office
Address: 3405 Board Rd, Suite 200, York, Pa 17406
Phone: 717-773-4085