After you quit a job, you’d call each of your 401(k) providers and ask to have your accounts merged into a single traditional IRA you control. The IRS allows this to protect people who leave their jobs on bad terms or when their company dissolves after they leave so they can still manage their own retirement funds. Most financial institutions will know how to do a 401(k) rollover, and this transfer is not taxed since you’re consolidating your tax-deferred accounts into one place.
