Changing jobs can be stressful. Not knowing what to do with your 401(k) or 403(b) account when leaving an employer can increase your stress level.   You have four options for your 401(k) or 403(b) account when leaving a job or retiring. Two of these options include penalty-free rollovers. Understanding each choice helps determine which is right for you.   The following four options include two penalty-free methods to roll over your 401(k) or 403(b) account when leaving your j