$66,691 sitting in your name. Roll over-get 27% bonus, cash out instantly. No taxes.
Unclaimed 401k Roll Over
31.9 Million Americans Are Sitting on $2.13 Trillion—Are You One of Them?
Terri sat across from us with her hands shaking, holding a college acceptance letter. Her son—her brilliant, hardworking son who'd earned a partial scholarship—had gotten into his dream school. The kind of opportunity that could change the trajectory of his entire life.
She should have been celebrating. Instead, she was crying.
"I don't know how to tell him we can't afford it," she said, voice breaking. "After everything he's worked for. After every late night studying, every sacrifice he's made. I'm going to have to tell him no because I just... I don't have the money."
She'd been a single mother for 14 years. Worked two jobs through most of it. Never missed a mortgage payment, even when it meant skipping meals herself. Did everything right. Saved what she could, when she could.
But life happened. Medical bills from her father's illness. A car that died and had to be replaced. The inflation that made groceries cost twice what they used to. The raises that never came but the bills that kept climbing.
Now her son's college deposits were due in 90 days. $18,000 for the first semester. Another $18,000 six months later. Money she didn't have. Money she couldn't borrow—her credit cards were already maxed from just surviving.
"I've failed him," she whispered. "I worked my whole life and I can't even give him this one thing."
Then we found $200,000.
Not $18,000. Not $36,000. Two hundred thousand dollars. With her name on it.
Fourteen years ago, before her son was even born, Terri had worked for a tech company. She'd spent 14 years there, contributing faithfully to her 401(k), building a nest egg for her future. When she left to focus on raising her son as a single mother, life got chaotic. Jobs changed. Addresses changed. And somewhere along the way, she completely forgot about that account.
$200,000. Sitting there. Doing absolutely nothing while she was losing sleep over college tuition she couldn't afford.
But here's the thing: finding the money was just the beginning.
Terri's Choice
Terri's Choice
What we did for her
What we did with that money is what changed Terri's life—and her son's future.
We analyzed her complete situation, structured the optimal pathway, and handled every single step:
Rolled over the entire $200,000 into a protected high-performance annuity
Secured an instant 27% bonus—turning $200,000 into $254,000 immediately
Structured 10% annual access—giving her $25,400 available to withdraw that first year
Positioned the remaining funds to grow at 12-15% annually—protected from market crashes and creditor seizure
Terri withdrew $25,540 that first year.
She paid for that first semester in full. Then she used the rest to pay down the credit cards that had been drowning her, making room so she could help with his other college expenses as they came up.
And here's what gave her peace for the first time in years: she knew that next year, she could withdraw another $28,000. And the year after that. And the year after that.
Her son is now in his sophomore year. She's never missed a tuition payment. The financial panic is gone. And that original $200,000 is still growing—protected, compounding, generating income year after year.
All with money that was already hers. She just didn't know where to look—or what to do once she found it.
You're Not Broke Either. You're Just Looking In The Wrong Places
Right now, there's money with your name on it. Real money—sitting dormant while you're struggling to make ends meet.
31.9 million Americans have forgotten about old 401(k) accounts holding $2.13 trillion. The average forgotten account? $66,691.
The Great Wealth Transfer Is Happening Right Now
Foreclosures are up 18-20% year-over-year. Through just the first half of 2025, 188,000 properties received foreclosure filings. Job losses, crushing inflation, and lingering high interest rates are creating the perfect storm.
The tragic part? Most families losing their homes aren't broke. They just don't know where their money is—or how to protect it before the bank takes it.
Your Equity Is At Risk
You've been paying your mortgage for years, building equity month after month. That's your money. But it's sitting in your home like a sitting duck—vulnerable to foreclosure, market crashes, and bank seizures.
When foreclosure happens, the bank takes every dollar of equity you built. Every payment. Every sacrifice. Gone.
Unless you move first.
Why "Doing It Yourself" Fails
Terri's story could have ended very differently. She could have cashed out that 401(k) and lost 30-40% to taxes and penalties ($120,000 instead of $254,000), used it without proper structure and run out halfway through junior year, or left it sitting, earning nothing, unable to access it when needed.
Finding hidden money is one thing. Knowing what to do with it—in what order, through which vehicles, structured how—is something else entirely.
Most people make critical mistakes: They pull equity without a protection plan and watch it evaporate. They cash out retirement accounts and lose massive amounts to penalties. They access funds in the wrong sequence and destroy their tax position. They miss the 27% bonus opportunity because they didn't know it existed.
This isn't guesswork. This is strategic financial architecture that requires a professional who knows how to build it.
