Changing jobs or retiring is a very exciting time in anyone’s life. However, when leaving an employer, we leave behind more than just a boss and co-workers. For those of us that have spent at least a few years in a job, it’s common to have a decent balance in our 401(k), 403(b), SEP account, or whatever retirement plan your employer had set up (to make things easy, I will just refer to everything as a 401(k) or retirement plan in this article).