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Rolling Over
Your Old 401(k) and IRAs

There is a good chance that at some point in your career you've changed jobs, and left your 401k in your old employer's plan. Or you may have several retirement accounts with different providers. At E*TRADE we offer solutions for those old 401ks and retirement accounts so they start working for you again.

Why Roll Over to E*TRADE? You'll benefit from:

Step-by-Step Assistance

    Let us do it for you — our Rollover Specialists will guide you through the process from start to finish

  • We will handle the rollover paperwork and contact your former plan — all at no cost

A Full Range of Investment Options

  • Choose from stocks, ETFs, bonds, and over 8,000 mutual funds
  • Professionally Managed Accounts from E*TRADE Capital Management7

Value Beyond Price

  • No Annual IRA Fees
  • Over 80 Commission Free ETFs2
  • 1,300 No Load Mutual Funds3

Introducing E*TRADE's NEW OneStop Rollover

    Not sure what to do with your old 401(k)? Our OneStop Rollover offers an automatic deposit of your 401(k) assets into a diversified portfolio from E*TRADE Capital Management, that is actively monitored and rebalanced for you. You'll receive:

  • Asset allocation and recommended investments during the account opening process
  • A diversified portfolio you approved based on your investment goals and risk tolerance6
  • Automatic rebalancing on an ongoing basis
  • A low fee-based solution with a $25,000 minimum

Once you've decided that rolling over is the right choice for you — the rest is easy.

Step 1 Open an E*TRADE Rollover IRA

Step 2 Contact Your Former Plan Administrator

Step 3 Complete your rollover and invest

To get started, follow our 3-Step Rollover Checklist. Or call 1-877-921-2434 and an E*TRADE Rollover Specialist will guide you through the process and help you choose investments.

Before deciding whether to retain assets in a 401(k) or roll over to an IRA an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. View the FINRA Investor Alert for additional information.

Get up to $600 cash credit for deposits or transfers made within 45 days of account open.
Deposit or Transfer
Receive
$25K - $99,999
$200
$100K - $249,999
$300
$250K and above
$600*
And open an account with $10,000 or more and receive free stock & options trades for 60 days once funds become available.
*Call us to see how you can qualify for more at 1-800-ETRADE-1
Frequently Asked Questions:
TOPICS
What is an IRA?
An IRA, or Individual Retirement Arrangement, is a personal savings account used for retirement. IRAs offer specific tax benefits, such as tax-deferred growth in a Traditional or Rollover IRA, and tax-free growth in a Roth IRA.
What types of IRAs are available at E*TRADE?
We offer the following IRA accounts at E*TRADE:
  • Traditional IRA
  • Rollover IRA
  • Roth IRA
  • IRAs for Minors (Traditional/Roth)
  • Beneficiary IRAs (Traditional/Roth)
  • Simplified Employee Pension (SEP) IRA
  • Savings Incentive Match Plan for Employees (SIMPLE) IRA
  • Coverdell Education Savings Account (ESA)*
*Formerly Education IRA
How much money do I need to open an E*TRADE IRA?
There is no minimum balance to open an E*TRADE IRA.
Where can I learn more about each type of IRA?
You can learn more about each type of account, or compare IRAs. Our IRA Selector Tool can also help you choose which IRA is right for you.
How can I open an E*TRADE IRA account?
You can open a Traditional, Roth, or Rollover IRA account online, or visit our Forms & Applications page to open a small business or Beneficiary IRA.
How much can I contribute to my IRA?
The amount you can contribute to your IRA depends on your account type. View IRA Contribution Limits and Deadlines to learn more.
How do I make a contribution to my IRA?
You can contribute to your IRA account by transferring funds online from a bank or brokerage account, sending us a check, or completing a wire transfer. For more information about ways to make a deposit to your account, see the Help topic Contribute to my IRA account.
Can someone help me decide how to invest my contributions?
Yes. To help you get started, call one of our Chartered Retirement Planning CounselorsSM at 1-877-921-2434. Alternatively, you can use our Online Portfolio Advisor to help you create a diversified investment plan. This interactive tool will analyze your current situation and recommend an investment solution for you that may include diversified mutual fund or ETF portfolios.
Can I contribute to an IRA if I participate in a retirement plan that is sponsored by my employer?
Yes, you may still contribute to an IRA. However, you may not be able to deduct a Traditional IRA contribution, or you may not be eligible for a Roth IRA at all, if you exceed certain income limits.
How do I know if I can deduct all or part of my Traditional IRA contribution?
Determining if you can deduct all or part of your Traditional IRA contribution is based on whether you have a retirement plan at work, your tax filing status, and your adjusted gross income (AGI). To determine the exact amount of your contribution that can be deducted, use our IRA Selector Tool.
What is a trustee-to-trustee transfer?
A trustee-to-trustee transfer enables an IRA account holder to move assets from an account held by one trustee or custodian to an identically registered account held by another trustee or custodian, without taking physical receipt of the funds. Account transfers are not reportable on your tax return, and can be completed an unlimited number of times per year.
How do I transfer a retirement account to E*TRADE Securities?
You can transfer your retirement account from another custodian to your E*TRADE IRA account by completing an Electronic Account Transfer Request.

If you prefer to send us a paper form, please complete and submit our easy Account Transfer form.
What information is required to transfer my account?
To complete an electronic transfer request, you will need to have the following information available:
  • The name of the financial institution from which you will be transferring the account or securities
  • The account number at that institution
  • The registration (ownership) of the account
Is there a fee associated with a transfer?
E*TRADE does not assess a fee for an incoming transfer. However, outgoing transfer fees may be assessed by the delivering firm for partial or full transfers. It is important to check with both custodians to determine fees that may be assessed for transfers. View the E*TRADE fee schedule
Can I pay the fee to transfer my E*TRADE IRA to another firm from my non-IRA E*TRADE account?
You are not required to have the fee deducted from your IRA account. You can send a check, payable to E*TRADE Clearing, for the amount due and specify on the memo line that the check is to pay an account transfer fee. Also, be sure to include your IRA account number.
How long will it take to transfer an account?
If all documents are in good order, ACAT transfer requests should be completed in 7–10 business days from the date the request and/ or paperwork is received. Please note that non-ACAT transfer requests may take from 3 to 6 weeks, depending on the timeliness of the delivering firm processing your transfer request.
What is the difference between ACAT and non-ACAT transfer requests?
ACAT Transfers:
Automated Customer Account Transfer Service (ACATS) requests are submitted electronically though a system that facilitates the transfer of securities from one trading account to another at a different brokerage firm. Both the delivering and receiving firms must subscribe to this service. These transfers normally take 7–10 business days to complete if approved by both firms. Initiate an ACAT transfer online

Non-ACAT Transfers:
Non-ACAT (manual) asset transfers are created when requesting transfers of mutual funds held at fund companies, bank accounts or CDs, international accounts, annuities, or any other accounts not eligible for the ACAT system. These transfers normally take 3–6 weeks to complete. Initiate a non-ACAT transfer by paper form
Will I receive a tax form after my transfer is completed?
No. Since a transfer is not a taxable event, no tax forms are generated. Transfers do not have to be reported on your tax return.
How often can I complete a transfer?
As often as you like. There are no constraints on how often a transfer can be done.
How do I rollover my 401(k) to an E*TRADE IRA?
A rollover from your 401(k) plan is handled differently than a transfer. You must initiate a rollover by contacting your 401(k) plan administrator. For more information about a direct rollover, visit our Rollovers page, see our Rollover FAQs, or contact a Rollover Specialist at 1-877-921-2434. We can guide you through the rollover process–every step of the way.
What is a direct rollover?
A direct rollover is the movement of assets from an employer's qualified retirement plan–such as a 401(k)–to an IRA. Assets are sent directly from the plan administrator to the IRA custodian.
How do I initiate a direct rollover from my employer plan to E*TRADE?
A Traditional, Rollover, or Roth IRA account must first be opened with E*TRADE, unless you want to roll over your account assets into an existing IRA. Then, contact the benefits administrator of your former employer to obtain any distribution paperwork needed to initiate the direct rollover. On the paperwork, you should list your E*TRADE IRA account number as the receiving account and provide E*TRADE's mailing address to send the check.
How long does a rollover usually take?
A rollover generally takes 4–6 weeks to complete. However, this timeframe depends on how long your former employer or plan administrator takes to process the transaction.
Will I have to report my direct rollover on my tax return?
Yes. Any amounts you roll over directly from a pre-tax qualified plan into a Traditional or Rollover IRA are reportable, but not taxable. Your former employer will send you a 1099R which reports the plan distribution. E*TRADE will then send you a 5498 tax document by May 31 of the following year, reporting the incoming rollover to offset the distribution. However, if you roll a pre-tax qualified plan into a Roth IRA, this transaction is taxable and must be included in taxable income. Consult with your tax advisor for more information.
After I complete my rollover, can I add annual contributions into the same account?
Yes. You can add annual contributions or additional rollovers into the same IRA.
My employer retirement plan needs E*TRADE to sign some paperwork before they will complete a direct rollover. How do I request this?
Mail or fax the form to be completed, along with a signed letter of instruction, to the attention of our Correspondence Department. Be sure to include all instructions for returning the form, including the mailing address to which the form should be returned.
My employer retirement plan needs E*TRADE to generate a letter of acceptance before they will distribute the funds to my IRA. How do I request this?
To request a Letter of Acceptance (LOA), mail or fax a signed letter of instruction to E*TRADE including the following details:
  • Your name
  • Your Social Security number
  • Plan name
  • Address of plan or third party administrator (including city, state, and zip)
  • Attention to (if applicable)
  • Plan account type (e.g. 401k or 403b)
  • Plan account number
  • E*TRADE Securities IRA account number
  • Where E*TRADE should mail or fax the LOA (your address on file, or the address or fax number for the delivering plan)
If you wish to have the letter sent by overnight mail, there is a $20 fee. This fee must be sent with the request, or you can include instructions to deduct the fee from an existing E*TRADE brokerage account. The letter cannot be sent to multiple delivery addresses.
Can I complete a direct rollover from my employer plan to an IRA even if I am still working?
Generally, you cannot roll over assets from an employr's plan unless you have changed jobs, retired, or are over age 59½. Check with your employer's plan administrator to find out if you are eligible to move assets out of their plan while still employed with them.
What do I do if my employer withheld 20% before sending me a rollover check?
If you did not indicate a direct rollover to an IRA when you completed your former employer's paperwork, the check you received may be for only 80% of the balance in your former employer's plan. Your former employer was required to withhold 20% of your plan distribution and remit that amount to the IRS. Whether you want to roll over only the amount you received, or make up the difference and roll over 100% of your previous employer's plan, you should send E*TRADE a personal check. Include our IRA deposit slip along with your personal check and indicate on the deposit slip that this is a "Rollover Contribution."
How do I reclaim the 20% that was withheld?
If you make up the 20% that was withheld out of your own pocket, these funds will be credited toward your income tax liability when you file your tax return. However, if you do not have the cash to cover this amount, the IRS will consider the 20% withheld as a distribution, making it subject to taxes and a 10% early withdrawal penalty if you are under age 59½.
What is an IRA distribution?
A distribution is the withdrawal of cash or securities from an IRA account. There are different types of distributions (e.g. premature, normal, and disability) based on the account holder's age and/or situation.
What are the common types of IRA distributions? When does each type apply?
Normal Distribution: A distribution taken after the IRA account holder reaches age 59½

Premature Distribution: A distribution taken before the IRA account holder reaches age 59½

Qualified Distribution: A tax-free distribution taken from a Roth IRA, assuming that the distribution both:

1) Occurs at least 5 years after the Roth IRA owner established and funded his or her first Roth IRA

2) Meets at least one of the following requirements:
  • The Roth IRA account holder is over age 59½
  • The Roth IRA account holder is disabled
  • The assets are being distributed after the death of the Roth IRA account holder, to the account's beneficiary.
  • No more than the lifetime limit of $10,000 is being distributed for use toward the purchase or rebuilding of a first home for the Roth IRA account holder or a qualified family member.
Excess Removal Distribution: A distribution taken from an IRA account to remove any contributions made in excess of the allowable contribution amount for a given tax year; earnings/losses attributable to the contribution should also be removed
How do I take a distribution from my IRA account?
You can take a distribution from your account by completing our online IRA Distribution Request form or paper IRA Distribution Request form.
How long will it take to receive an IRA distribution?
If you are depositing funds into a non-IRA E*TRADE account or external bank account, the transaction will be completed within two business days. If you are requesting a check or wire, proceeds will be distributed to you within 2–3 business days.

A distribution request for a check via U.S. Mail usually takes between 7–10 business days from the time your request is received until the check arrives.

If Overnight Mail is chosen as your delivery method, it usually takes two business days from the time your request is received until the check arrives.
What is the fee for taking a premature distribution or excess contribution removal?
The fee is $25. However, this fee will be waived if your combined E*TRADE Securities account balances total over $100,000 or you have placed 30 or more trades in the last quarter.
Are IRA distributions taxable?
Generally, distributions from Traditional IRAs are taxable in the year in which they are received. However, some distributions are not included in your gross income for tax purposes. These distributions include Roth IRA qualified distributions, distributions rolled over to another IRA within 60 days, excess contribution removals, and distributions that are a return of your regular annual Roth IRA contributions.
Will I receive a tax form after taking a distribution?
Yes. Form 1099-R (available by January 31st of each year) is generated for distributions taken from all IRA accounts. Form 1099-Q (also available by January 31st) is generated for distributions taken from Coverdell ESA accounts. Your tax records and other electronic documents can be accessed online.
What is the deadline to withdraw an excess contribution?
The deadline to withdraw an excess contribution is your tax filing deadline, without extensions, for the year to which the contribution applied. However, if you file your tax return on time or file an extension, you are granted an automatic six-month extension (to October 15) to withdraw any excess contribution from your IRA account.
What are the taxes and/or penalties paid on excess contribution removals?
An excess contribution removal completed before October 15 is subject to income taxes on the earnings attributed to the contribution only. An excess contribution removal completed after October 15 is subject to a 6% penalty.
I withdrew an excess contribution, but you gave me back a different amount. Why?
For excess contributions removed before October 15, the amount of money returned to you may be more or less than your original contribution, due to net income or loss. The earnings calculation is based on IRS Publication 590: Worksheet 1-3.
How do I calculate my RMD (Required Minimum Distribution)?
If you are logged in, you can see your current RMD calculation on the right column of this page. Please note that this calculation is only for the account selected. If you need to adjust your RMD calculation to account for multiple IRAs, or IRAs held at outside institutions, please use this RMD Calculator.

To calculate your RMD, divide your account balance on December 31st of the previous year, called the Fair Market Value, by your life expectancy factor for the calculation year.

To find your life expectancy factor, use one of two tables from IRS Publication 590: Note: You may be required to make adjustments to the Fair Market Value of your IRA account. For example, if you converted your IRA to a Roth IRA in the previous year, and recharacterized it the following year, or if you had transfers or rollovers in transit which were not included in any of your IRA balances at year end, those amounts must be added to your Fair Market Value to accurately calculate your RMD.
How do I withdraw my RMD?
Complete our online IRA Distribution Request form. We can calculate the RMD for you and send it to you via check, wire, or ACH. We can also transfer the funds to your linked E*TRADE brokerage or bank account. You can also request that we set up recurring RMD payments so that each year your RMD will be distributed to you automatically on the date you choose.
I have multiple IRAs. Do I have to withdraw an RMD from each one?
No. If you have more than one retirement account, you do not need to withdraw funds from each. Just make sure that the TOTAL of your withdrawals from one or more accounts equals or exceeds the sum of each minimum distribution required from each account.
What is the deadline to withdraw my RMD?
Mandatory distributions must begin at age 70½. You have until April 1st following the year you turn age 70½ to take your first required minimum distribution. RMDs in subsequent years must be taken by December 31st. For example, if you reached age 70½ in 2011, you have until April 1, 2012 to withdraw the 2011 RMD amount from your retirement account. You will then be required to take your 2012 RMD by December 31, 2012.

The only exception is if you are still employed at age 70½ and participate in an employer-sponsored plan. In this case, you may be able to postpone your RMD from that plan only (not from your IRA) until the year after you retire. This exception does not apply for individuals who own 5% or more of the business.

IMPORTANT: If you miss the deadline for withdrawing an RMD, a penalty of 50% of the difference between what was required to be withdrawn and what was actually withdrawn may apply.
Can I withdraw more than the minimum?
Yes. You can always take out more than the required minimum amount in a given year. However, you cannot carry over any excess distributions to future years. For example, if your required withdrawal is $1,500 but you take out $2,000, the extra $500 won't count against the next required distribution. However, because you've reduced your IRA balance more than you would have otherwise, your subsequent minimum distributions will be less.
How can I remember to withdraw my RMD?
You can sign up for periodic payments through our online IRA Distribution Request form. You can also upgrade your current E*TRADE IRA to an E*TRADE CompleteTM IRA, which allows you to make withdrawals anytime with free check writing, debit card, and online bill pay privileges.
What if I miss the deadline to remove my RMD?
You may qualify for a waiver of the 50% penalty if you can prove that the RMD was not removed on time due to reasonable error and that reasonable steps are being taken to remedy the situation. The first thing you need to do is withdraw the RMD. Then, you must file IRS Form 5329 with your income tax return, along with a letter providing the reasons for missing the withdrawal deadline. If the IRS accepts your explanation, you will not have to pay the penalty. If they don't, they will bill you for the penalty amount.
Can I withdraw my RMD tax free and donate it to a qualified charity?
The ability to make Qualified Charitable Distributions (QCDs) expired December 31st, 2011. QCDs will not be available for 2012 or subsequent years unless new legislation passes.
I inherited a retirement plan. Do I have to take an RMD?
When you inherit a retirement plan, you generally must withdraw a minimum amount at least annually. If you want to simply withdraw your inherited money in one lump sum, you can do that, too. Just be aware that you will pay ordinary income tax on the distribution. But if you want to defer taxes as long as possible, there are minimum distribution requirements with which you must comply. Use our Inherited IRA tool to get guidelines for withdrawal and determine the amount of any RMDs.
What is Roth IRA Conversion?
Roth IRA conversion is the process of moving assets from a Traditional, Rollover, SEP, or SIMPLE IRA to a Roth IRA. You can convert all or a portion of your IRA. If you're converting a SIMPLE IRA, the account must have been open for at least two years to be eligible. The deadline to complete a Roth IRA conversion is December 31st of each year.
How do I request a Roth IRA Conversion?
You can request a Roth IRA conversion by using our online Roth IRA Conversion request form.
How long will it take to process a Roth IRA conversion?
Roth IRA conversions are generally processed within 1–2 business days.
Is there a fee for a Roth IRA conversion?
No, there is no fee for a Roth IRA conversion.
How do I know if should convert to a Roth IRA?
Converting to a Roth IRA can be a great financial move, but it isn't for everyone. Whether or not you should convert depends on many factors, including what you expect your tax bracket to be in retirement, how long you'll be invested, and whether you're able to pay the upfront taxes. Learn more about converting or use our Roth Conversion calculator to help you decide.
Is a Roth IRA conversion a taxable event?
A Roth IRA conversion creates a taxable event because it moves pre-tax assets to an after-tax retirement vehicle. This means that when you convert, you'll have to pay taxes on any pre-tax assets moved to the Roth IRA.
What is IRA recharacterization?
IRA recharacterization is the process of reversing a previous Roth IRA conversion–or treating a contribution made to an IRA as if it had been made to an IRA of a different type. For example, you may have made a contribution to your Traditional IRA, but later decided you would like it to go to your Roth IRA. You can request a recharacterization of a previous Roth IRA conversion or a prior-year contribution before the tax filing extension date for that year (October 17, 2011 for 2010 tax year conversions or contributions).
How do I request an IRA recharacterization?
You can request an IRA recharacterization by using our online IRA Recharacterization request form .
How long will it take to process an IRA recharacterization?
IRA recharacterizations are generally processed within 1–2 business days. Please note that the amount recharacterized may be more or less than the original contribution amount.
Is there a fee for an IRA recharacterization?
Yes, the fee is $25. However, it will be waived if your combined E*TRADE Securities account balances total over $100,000 or you have placed 30 or more trades in the last quarter.
Can I choose to recharacterize just one security?
Yes. Our online IRA recharacterization form allows you to request to recharacterize both cash and securities, or securities only. If you select securities only, a table will appear, enabling you to specify the securities you want to transfer, the number of shares (quantity) for each, and the order in which you want the transfers to take place.
Is an IRA recharacterization a taxable event?
No, but it is reported to the IRS. An IRA recharacterization will generate 1099R and 5498 tax forms. You can use these forms to report the transaction on your tax return.
I rolled over my 401(k) plan directly to a Roth IRA instead of putting the assets in a Traditional IRA. Can I recharacterize those
assets?
You can recharacterize the assets to a Traditional or Rollover IRA, but you will not be able to recharacterize the rollover back to the 401(k) plan.
I recharacterized a previous Roth IRA conversion, but you sent me a different amount. Why?
The recharacterization amount may be more or less than your original conversion or contribution, due to net income or loss. The earnings calculation is based on IRS Publication 590: Worksheet 1-3.
Options Pros Cons
Rollover to a no-annual-fee E*TRADE IRA
  • Assets continue to grow tax-deferred
  • Full Range of Investment Choices
  • Potentially Lower Costs
  • Ability to consolidate assets
  • Freedom to move assets to a future employer's plan
  • Penalty-free withdrawals prior to age 591/2 are only permitted for certain purposes
  • Loans are not permitted
Leave the assets in your old 401(k) or 403(b)
  • Assets continue to grow tax deferred
  • Limited investment choice
  • Potentially higher costs
  • Money is left in former employer's control
Roll over to your new employer's plan
  • Assets continue to grow tax deferred
  • Loans may be permitted
  • Limited investment choice
  • Potentially higher costs
  • Not offered by all employers
Take a cash distribution
  • Distribution amount is immediately available to you
  • Mandatory 20% withholding for federal taxes if under 591/2
  • May also be subject to 10% IRA penalty if under age 591/2

Rollover Checklist

Should I Roll Over from My Employee's Plan?

Follow these simple steps to roll over assets from a former employer's retirement plan, such as a 401(k) or 403(b), to E*TRADE Securities.

Asset Rollover Checklist

New job? Give your 401(k) a new start with an E*TRADE Securities Rollover IRA. There are no annual IRA fees and no account minimums. Rolling over assets is the most common way to roll over and is supported by all plan administrators.

  1. Open Your E*TRADE Securities Rollover IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. Contact Your Former Plan Administrator

    Ask for a direct roll over of your plan assets.

    • Complete all distribution forms required by your former employer.
    • Instruct the plan administrator to issue a distribution check made payable to: E*TRADE Clearing, FBO <Your Name>. Your Rollover IRA account number should be included on the check.
    • Instruct the plan administrator to mail the check to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

    • If your plan administrator sends you the check, simply forward it along with an IRA Deposit Slip to E*TRADE at the address above.
  3. Put Your Retirement Assets to Work
    • Log on to see when your funds have been deposited.
    • Invest your IRA using our Online Portfolio Advisor, free tools, research and screeners.
    • Need additional help? Our experienced investment professionals can help you create a retirement strategy and provide unbiased investment recommendations.

Securities Rollover Checklist

It may be possible to transfer stocks, mutual funds, or other securities directly to your Rollover IRA without converting them to cash. Please check with your plan administrator to see if this type of rollover is supported. Allow 6 to 8 weeks for a securities rollover.

  1. Open Your E*TRADE Securities Rollover IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. See if Your Mutual Funds Can Be Rolled Over
    • Go to etrade.com/mutualfunds and search for your fund. If your fund is not listed, please contact one of our Investment Professionals, as we may be able to add the fund, or even hold your existing position.
    • Instruct the plan administrator to sell any mutual funds that can't be rolled over. You can then follow the steps on the Cash Rollovers tab to move the cash to your IRA.
  3. Roll Over Transferable Securities
    • For securities that can be directly rolled over, instruct the plan administrator to forward them to DTC Clearing 0385, Code 40, OR send certificates directly to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

    • The certificates must clearly indicate your Rollover IRA account number and must be registered to: E*TRADE Securities, FBO <Your Name>.

If you hold highly appreciated company stock, a Rollover IRA may prevent you from taking advantage of the preferred long-term capital gains tax rate. Consult your tax advisor for more information.

Roth IRA Rollover Checklist

If you've made after-tax contributions to a Roth 401(k) or Roth 403(b), or want to move your pre-tax 401(k) to a Roth IRA, you'll need to roll over to a Roth IRA. Rolling over assets from a pre-tax 401(k) to a Roth IRA will result in all pre-tax assets you roll over being included in your taxable income. However, if you like the idea of being taxed now and not later, or if you think you will be in a higher tax bracket later in life, you may want to consider rolling over these assets to a Roth IRA now.

  1. Open Your E*TRADE Securities Roth IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. Contact Your Former Plan Administrator

    Ask for a direct rollover of your plan assets.

    • Complete all distribution forms required by your former employer.
    • Instruct the plan administrator to issue a distribution check made payable to: E*TRADE Clearing, FBO <Your Name>. Your Roth IRA account number should be included on the check.
    • Instructions should be attached to the check if it is to be split between a Rollover IRA and a Roth IRA.
    • Instruct the plan administrator to mail the check to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

  3. Put Your Retirement Assets to Work
    • Log on to see when your funds have been deposited
    • Invest your IRA using Online Portfolio Advisor or our FREE tools, research, and screeners.
    • Need additional help? Our experienced investment professionals can help you create a retirement strategy and provide unbiased investment recommendations.

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