What happens to Wealth Builder money and 401K money after you leave the firm?

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Wealth builder is gone if you leave in less than 5 years. 401(k) you get whatever portion of the match is vested at the time you leave

WB vests on the same schedule as 401k match. 20% after two years of vesting service, 40% at 3, 60% at 4 and 100% at 5

401K - you get to keep as-is with minor annual fee (could be less than $100) or rollover to IRA your contribution plus vested part of employer match. You can also request cash out with 10% penalty, but this amount becomes taxable in the year cashed out

While cashing out a retirement plan early is allowed, you REALLY shouldn’t. Unless it is a life and death scenario you are much better served keeping that capital invested and growing for your retirement. The conventional wisdom is to roll over to an IRA because a) more and better investment options, and b) you avoid the custodial fee; even though small why pay hundreds of dollars per year for nothing?

Read up on vesting in general. There is a system in place and you will be better off understanding how it works instead of just taking 1 answer for your situation.

Wealth builder vests as well. Think it’s something like 20% after two years, 40 after 3, 60 after 4

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