Most retirement plans don't let you move them to a personal IRA (roll over) until after a couple of pay cycles. This gives any laggard paperwork time to filter through the system and your real total for the account has settled down. Additionally, some investment types don't translate well, so you might want to 'go to cash' in the 401k a week before you do roll it over (perhaps something like a IRA with Vanguard or Fidelity or Schwab... just thinking of decent choices) and you have contacted both the destination company and the current trustee to find out procedures, expected fees and such.