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I know I’m an idiot for it knowing this but Where should I start the process of “combining” my two retirement plans? CPA?

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Are you simply wanting to combine two different 401k plans? You are limited to the 401k plan under your current employer, which would give you the most control over your savings. You can call the 401k provider for info and help. No CPA needed, unless you have >$1M in savings

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Agree. Some providers can facilitate the transfer themselves; depends if that’s a service they offer and it’s included in the offerings your current company pays for. Otherwise you’re basically requesting a pay-out, to the order of the new institution.

Where are your two plans? Why do you need to combine them? Should be able to do it yourself pretty easily. And wherever your money is, they probably have a toll free number and know how to help you.

The best plan of action is to probably to rollover your 401k holdings from prior jobs into an IRA that you can hold onto through different jobs. Look at fidelity or vanguard. Then you’ll have a rollover IRA account with someone and a 401k with your current employer. Whenever you start a new job, just rollover your old 401k money into your IRA account. A lot less tedious then rolling over 401k balances from one employer’s 401k manager to another. Plus every time you remove money from a 401k manager there’s typically a fee, so by sitting your money in an IRA and never moving it again, you avoid other plans taking a cut of your full savings every employment change.

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