401(k) Retirement Products

Yes — if your current employer's plan is administered by RMO Investments, Inc., or you're moving to an RMO IRA, RMO can typically accept rollovers from a previous employer's 401(k), 403(b), or eligible governmental plan. Common rollover scenarios: Direct rollover from a former employer's 401(k) into RMO 401(k) at your new employer. Direct rollover from a former employer's 401(k) into an RMO IRA. Trustee-to-trustee transfer from a previous IRA into an RMO IRA. How a direct rollover works: Open the receiving RMO account (401(k) at your current employer or IRA at RMO Investments, Inc.). Request a direct rollover from your previous plan administrator. Funds move directly from the old…

RMO Investments offers 401(k) retirement accounts to help you save for the future with tax-advantaged growth. Here is how to get started. For Individual/Self-Employed 401(k): Log in to MyRMO and navigate to "Investments" then "Retirement Accounts." Select "Open a 401(k)" and choose the plan level that fits your needs. Provide your personal and employment information. Select your investment allocation from the available fund options. Set your contribution amount (as a percentage of income or a fixed dollar amount). Review and submit your enrollment. For Employer-Sponsored 401(k): If your employer offers an RMO 401(k) plan, your HR department will provide enrollment instructions.…

RMO Investments offers four 401(k) plan levels to accommodate different investment preferences and retirement goals. My401(k) Start — A straightforward plan with a curated selection of target-date funds and index funds. Low management fees make it ideal for new savers who want a simple set-it-and-forget-it approach. My401(k) Growth — Includes all Start fund options plus access to a broader range of actively managed funds, bond funds, and sector-specific funds. For savers who want more control over their asset allocation. My401(k) Plus — Adds access to a self-directed brokerage window, allowing you to invest in individual stocks, ETFs, and a wider universe of mutual funds. Includes…

RMO 401(k) is an employer-sponsored retirement plan administered through RMO Investments, Inc. , a separate entity from RMO Bank. Eligible employees can defer a percentage of their pay into a tax-advantaged account that grows over time. How a 401(k) works: Your employer sets up the plan and chooses RMO Investments, Inc. as the recordkeeper / advisor. You enroll and select what percentage of each paycheck to contribute. Contributions are deducted pre-tax (traditional) or after-tax (Roth, where offered). Money is invested in funds you select from the plan's investment menu. The account grows tax-deferred (or tax-free, for Roth contributions) until you take distributions in retirement. …