Understanding Your Retirement Strategy

Your In-Service Distribution Options

If you are a Boeing employee age 59½ or older, you may have the option to move a portion of your 401(k) into another qualified plan while you are still working. This is called an in-service distribution. In some situations, this option can provide additional flexibility and new strategies that may positively impact your long-term retirement plan. This page explains what in-service distributions are, who they may benefit, and how to determine whether this option is available and appropriate for your situation.

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What Is an In-Service Distribution?

An in-service distribution is the ability to move money from your Boeing 401(k) to another option, while you are still employed with Boeing. Think of it as a rollover option you can start today, even while you're employed.

This option may be available to Boeing employees who meet certain age requirements, typically 59½ or older. The money can be moved to an IRA or another qualified retirement plan without having to leave your job or retire.

Who Might Consider This?

Boeing employees discussing retirement options

In-service distributions are not for everyone, but some Boeing employees explore this option for various reasons. You might consider looking into this if you fall into one of these categories.

People who want access to investment options not available in their Boeing 401(k)
Those looking to secure their retirement from market losses
Individuals seeking a personalized approach to retirement planning
Employees looking to pay less in fees when it comes to their retirement plans

How Made Rich Financial Can Help

Our team will guide you through every step of exploring your in-service distribution options.

Schedule a free consultation with Made Rich Financial
We review your Boeing 401(k) and retirement goals
We verify your eligibility with Fidelity on your behalf
Analyze tax implications specific to your situation
We compare investment options to maximize your wealth

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Frequently Asked Questions

Is this something Boeing is encouraging employees to do?

No, this is simply an option that may be available within Boeing's plan. Boeing provides the 401(k) structure. How you manage your retirement assets is your personal decision.

Will I have to leave my job at Boeing?

No, this is specifically for current employees who are still working. An in-service distribution allows you to move money while remaining employed.

Do I have to move all my money?

No. Most plans allow partial distributions, so you can move a portion of your balance and leave the rest in your Boeing 401(k).

What if I am not 59½ yet?

In most cases, you will not be eligible for an in-service distribution. However, there may still be other strategies available depending on your situation.

How do I know if I am eligible?

You will need to verify eligibility with Fidelity, Boeing's 401(k) administrator.

Is this optional?

Yes. This option is completely voluntary. You can leave your retirement savings in your Boeing 401(k) if that is what you prefer.

Want to Discuss Your Specific Situation?

We offer complimentary 45-minute consultations to help you understand the following.

Whether you are eligible for an in-service distribution
What questions to ask Fidelity
How this might (or might not) fit your retirement goals
What the process looks like if you decide to move forward

This is a discovery conversation, not a sales pitch. You will walk away with clarity on your options, whether you work with us or not.

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Important Information

This information is educational only, not financial advice

Boeing plan rules may change. Verify current options with Fidelity

Tax and penalty rules are complex. Consider consulting a tax professional

Made Rich Financial is not affiliated with Boeing or Fidelity