If you’re fortunate enough to have an employer-sponsored retirement plan like a 401(k), 403(b), or SEP-IRA at work, what you’ll likely find is that it will become the most substantial retirement savings vehicle that you have. Yet at some point, you’ll be in a position in which you’ll want to consider rolling over your retirement plan, either into another plan or into a traditional or Roth IRA. Typically, you can roll over retirement money fairly freely, but there are some types of moves that you’re not allowed to make.