As the summer begins, many savers across the country may have some extra time to think about optimizing their retirement planning strategy. While rolling over your old 401(k) to an IRA can have some serious benefits, there are several situations in which you might want to think twice about making that move.

Below are three reasons you might want to keep your old 401(k) plan exactly where it is. 

Not all 401(k) plans are prohibitively expensive. Many low-cost plans exist that offer more-than-acceptable investment structures. For most people, this means access to passively managed index mutual funds, which tend to be more than enough for most small investors.

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Source Fool.com