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Let us think of education as the means of developing our greatest abilities, because in each of us there is a private hope and dream which, fulfilled, can be translated into benefit for everyone and greater strength for our nation. John F. Kennedy U.S. President

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Qualified plans have tax-deferred contributions from the employee, and employers may deduct amounts they contribute to the plan. Nonqualified plans use after-tax dollars to fund them, and in most cases employers cannot claim their contributions as a tax deduction.
What is the difference between a transfer and a rollover? A transfer is used to move funds from one institution to another without changing the account type. A direct rollover is used to move funds from an employer plan to another account type like an IRA, without having to pay taxes.
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