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When it's time to decide whether to roll over your 401(k) account into an IRA, you face a surprising puzzle: the rollover conundrum. (Photo: Getty)

If you’re someone who makes widgets for a living, you’re probably know a lot about making widgets. You’d probably leap at the opportunity to become a contestant on “Widget Jeopardy!” If there were a movie on widgets, you’d be hired as an expert consultant. Heck, you might even write a book on widgets. Of course, once it becomes a best seller, you’d quit your job and go on the speaking circuit, expounding across the land on the wholesome virtues of widgets.

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