It is always scary to assume but I am going to guess that you are talking about your 401k... If you have seperated from service at your employer then you have the ability to rollover those funds. Depending on which type of 401k accounts (Roth or Traditional) then you are able to rollover (transfer) directly to a similar IRA account. If you cash out your plan there are going to be tax consequences. With that I am going to recommend that you take in your plan information and most recent 401k statement to a Fee-Only advisor to talk about the options and tax consequences.
