Daily Breeze:  Changing jobs after a long stint with a single employer can be challenging in itself.  But for those who’ve paid scant attention to their 401(k) plans over many years, deciding what to do with the funds can be downright daunting.

Allen, a Long Beach computer programmer, writes:

“After 18 years at my job, I am changing employers, and I’m getting mixed opinions about what I should do with my 401(k) funds – $287,000.  Some say move it to the new plan but it’s a much smaller company. Others say an IRA is the only way to go. I’m 46 with two kids, so I’ve got many earning years ahead. What’s my best move?”