ESOP retirement plan. Getting ready to roll it over, but to what and I don't want to pay penalties I am 53y

Hopefully you're with a good company. Enron sucker punched all of its employees when their stocks slumped. I don't know if they were on ESOPs, but they were invested in their own company and lost most or all of it when Enron folded.

Here's a web site that describes the tax advantages. Rollovers are described about halfway down the page:

http://www.esopassociation.org/about/about_tax.asp

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