Changing jobs is chaotic enough, but even worse when you throw 401(k) account management into the mix. The good news is that the IRS allows you to roll over an old 401(k) retirement account into a new 401(k) tax-free. The bad news is that human beings are lazy and forgetful. If you think you may have left money in an old 401(k) account, there's an easy way to find out.
The National Registry of Unclaimed Retirement Benefits is a searchable online database of unclaimed 401(k) funds and other inactive retirement accounts. The list is maintained by PenChecks, the largest processor of retirement benefit distributions in America. Other processors and organizations add their unclaimed names to the database, too. Enter your Social Security number and see if there's a forgotten retirement nest egg waiting for you.