Page 18 avy eniiooravvy S iorn or avvyavy vvy io iori by Jim Miller How to Find an Old 401(k) Dear Savvy Senior, How do I go about looking for an old former company 401(k) plan that I think I contributed money to many years ago, but forgot about until recently? Retired in Rochester Dear Retired, If you think you may have lost track of an old 401(k) retirement account, you aren’t alone. As Americans move from job to job, many leave scraps of their company sponsored 401(k) plans behind, believing they’ll deal with it later, but never do. In fact, according to a recent study, Americans have left behind around $1.35 trillion in retirement accounts that are connected to previous employers. To help you look for an old 401(k), here are some suggestions along with some free resources that can help you search. Call Your Former Employer The fi rst way to look for an old 401(k) account is to contact your former employer’s human resources department. Ask them to check their plan records to see if you ever participated in their 401(k) plan, and if so, how much it’s worth. You’ll need to provide them your Social Security number and the dates you worked for them. If you need help tracking down your former employer because it may have moved, changed owners or merged with another fi rm, help is available from the Labor Department (AskEBSA.dol. gov, 866-444-3272) and the Pension Rights Center and Pension Action Center (PensionRights.org/fi nd-help). If there was more than $5,000 in your 401(k) account when you left, there’s a good chance that your money is still in your workplace account. Your former employer should be able to either get you the forms necessary to roll over your retirement money to a diff erent 401(k) or to an IRA, or to give you contact information for any outside fi nancial institution overseeing the plan on your employer’s behalf. By following the appropriate instructions, you’ll be able to move your retirement money where you want. But if your old 401(k) account was under $5,000, your former employer has the option of transferring the money to a default individual retirement account without your consent. Your cash may go into an interest-bearing, federally insured bank account or to your state’s unclaimed property fund. If this is the case, and your old employer cannot tell you where your 401(k) funds were sent, you’ll need to track it down yourself. Searching Tools While there’s no federally run national database where you can look for all the retirement accounts that are associated with your name, a good place to start your search is with the Department of Labor’s abandoned plan database at AskEBSA.dol.gov/AbandonedPlanSearch. And FreeErisa (FreeErisa.BenefitsPro.com), which maintains a rundown of employee benefi t plan paperwork. There’s also the National Registry of Unclaimed Retirement Benefi ts at UnclaimedRetirementBenefi ts.com. This site works like a “missed connections” service whereby companies register with the site to help facilitate a reunion between ex-employees and their retirement money. But not every company is registered with this site. To see if your 401(k) money was turned over to the state’s unclaimed property fund, use the National Association of Unclaimed Property Administrators website (Unclaimed.org) to search. Or you can do a multi-state search in 39 states at MissingMoney.com. Or, if you think you were covered under a traditional pension plan that was disbanded, call the U.S. Pension Guaranty Corp. at 800-326-5678, or use the trusteed plan search tool at PBGC.gov/ search-trusteed-plans. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. THE MALDEN ADVOCATE–Friday, October 28, 2022 MUSINGS | FROM PAGE 6 million pilgrims. • Malden’s population hits 575,000 for the fi rst time in its history. • Malden also owns bragging rights in the Commonwealth with over 5,500 Dunkin’ shops. • Aliens make up 75% of the student population at Malden High School with children from Mars being 45% of the student body. As Peter Falk’s iconic TV character “Columbo” would say, “Just one more thing, sir” – “Malden Musings” revisits the dustup created by our search for the longest blast ever at Devir Park (the longest blast not chemically induced, that is); West Street’s Dickie Santo’s brought some pretty concrete evidence to the table to virtually end the discussion that raged through Malden about who hit the longest home run at Devir Park. Kim’s husband says the individual who owns that celebrated honor is none other than his little brother Rob Santo. Dickie says that baby brother Robbie hit multiple tape measure shots during his playing days for Augustine’s/Cremone’s Athletics at Devir. Although he was a left-handed batter, he did hit balls out onto Emerald Street, but the majority of his “moon shots” were hit to either dead centerfield or to right field. One such instance occurred in a game where he absolutely crushed a ball to right fi eld that sailed beyond third base to the Bruce Field Little League diamond and took one short hop and hit the fence in front of the Irish American Club. A few minutes after hitting the ball, a couple of “old-timers” who were watching a little league game strolled over to the fi eld where the A’s were playing and wanted to know who hit that ball. The old-timers said they had been watching baseball - LEGAL NOTICE - COMMONWEALTH OF MASSACHUSETTS THE TRIAL COURT PROBATE AND FAMILY COURT Middlesex Probate and Family Court 10-U Commerce Way Woburn, MA 01801 (781) 865-4000 Docket No. MI22P5332EA Estate of: ANNA CAMILLE MORESCHI ALSO KNOWN AS: ANNA C. MORESCHI Date of Death: 12/09/2019 CITATION ON PETITION FOR FORMAL ADJUDICATION To all interested persons: A petition for Formal Probate of Will with Appointment of Personal Representative has been filed by: Patricia Powers of Malden, MA requesting that the Court enter a formal Decree and Order and for such other relief as requested in the Petition. The Petitioner requests that: Patricia Powers of Malden, MA be appointed as Personal Representative(s) of said estate to serve Without Surety on the bond in unsupervised administration. IMPORTANT NOTICE You have the right to obtain a copy of the Petition from the Petitioner or at the Court. You have a right to object to this proceeding. To do so, you or your attorney must file a written appearance and objection at this Court before: 10:00 a.m. on the return day of 11/15/2022. This is NOT a hearing date, but a deadline by which you must file a written appearance and objection if you object to this proceeding. If you fail to file a timely written appearance and objection followed by an affidavit of objections within thirty (30) days of the return day, action may be taken without further notice to you. UNSUPERVISED ADMINISTRATION UNDER THE MASSACHUSETTS UNIFORM PROBATE CODE (MUPC) A Personal Representative appointed under the MUPC in an unsupervised administration is not required to file an inventory or annual accounts with the Court. Persons interested in the estate are entitled to notice regarding the administration directly from the Personal Representative and may petition the Court in any matter relating to the estate, including the distribution of assets and expenses of administration. WITNESS, Hon. Maureen H. Monks, First Justice of this Court. Date: October 18, 2022 TARA E. DeCRISTOFARO REGISTER OF PROBATE October 28, 2022 games at Devir Park for 40 years and never saw a ball hit that far. He also hit balls to dead center into the tennis courts. Many times, he hit balls into Bruce Field while Little League games were going on, and it happened so often that those games were halted until his at-bat was over. Dickie says this can be verifi ed with (former MPD) Offi cer Joe Connolly, as one home run hit his son in the back as he was standing along the first base line watching one of the Little League games. Dave Bouley witnessed many of the titanic blasts, but, unfortunately, Harry Mehos and Eddie Larson are no longer with us to also confi rm this. Rob also hit many of the longest home runs at opposing parks, such as Trum Field in Somerville, Playstead Park in Medford and Morelli Field in Melrose. A Malden High Athletic Hall of Famer, Rob is still a barroom legend in Saint Augustine, Florida, from his playing days at Flagler College, where many of his records from the early ’80s still stand to this day. As people may also know, he was signed in 1985 by the Baltimore Orioles and spent a year in their minor league system and is alleged to have a 500-foot blast to his credit playing for the Baby Birds. Dickie remembers being at a game at Morelli Field in Melrose watching with David Zinetti and Jerry Robbins when Robbie hit one over the trees in right fi eld, and they just looked at him in total disbelief! Let the conversation continue. Postscript 1: Years from now, when they are sorting through the glorious mess that I have accumulated over the decades – proudly displayed – they will happen upon my very own Signature Series Louisville Slugger Robbie Santo Model Bat. Postscript 2: I would be remiss if I did not mention the retirement of City Clerk Greg Lucey. Regular readers of this column already know of my aff ection for the Luceys. The love and respect I have for this family is beyond measure. My 1,500 words are almost up so I will continue this in weeks to come. For Advertising with Results, call The Advocate Newspapers at 617-387-2200 or Info@ advocatenews.net
19 Publizr Home