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Rolling over a 401(k) to Fidelity's IRA can be a smart move for retirement planning. It allows you to consolidate your retirement savings, potentially reduce fees, and gain access to a wider range of investment options. However, consider the pros and cons, such as potential tax implications and loss of employer match, before making the switch. Timing is also crucial, as you may want to wait until you've left your job or have a significant balance.

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