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Who can I get to help me roll my 401(k) into an IRA when I live overseas?
It is typically very easy to roll a 401(k) into an IRA.  Companies that provide IRA's are very experienced with it, and I would expect that they will take your calls from overseas. You will likely be able to do it over the internet without using a phone at all. Just open an IRA with any brokerage company (Scottrade, Vanguard, Fidelity, Schwab, Ameritrade, etc.) and follow instructions to roll your 401(k) into it.  Most likely they will need your signature, but usually a scan of a form you have filled out will do.  Be sure to have information on your 401(k) provider, including your account number there, on hand.  These companies are all very reputable and this is not a difficult transaction. There's really no downside to rolling into an IRA.  401(k) plans usually have more limited options and/or worse fee structures and are frequently harder to work with, as you have observed.