Rollover IRA

Consider rolling over your old 401(k) or 403(b) plan assets to an E*TRADE from Morgan Stanley IRA13

  • Manage all your retirement assets under one roof
  • Enjoy investment flexibility and low costs
  • Take advantage of tax benefits
Already have an IRA? Contribute nowchevron_right


Speak to a Retirement Specialist


annual IRA account fees2

Interested in rolling over to E*TRADE from Morgan Stanley?

The average American changes jobs over 11 times between the ages of 18 to 50 alone.3
Compare investment accounts and consider your options to see if an E*TRADE Rollover IRA may be right for you.

Easy process

Get support from our team of Retirement Specialists who can provide you information about your account options and help guide you through the rollover process from start to finish

Investment choices

Invest for the future with stocks, bonds, options, futures, limited margin, ETFs, and thousands of mutual funds

Low costs

$0 commission for stock, ETF, mutual fund, and options trades1

Managed Portfolios

We can build, monitor, and manage a diversified retirement portfolio for your retirement needs—for as little as $15 a year5,6

Start investing today

Enjoy $0 commissions on online US-listed stock, ETF, mutual fund, and options trades with no account minimums.1


How to roll over in three easy steps

Have questions or need assistance? Call 877-921-2434 to speak with a Retirement Specialist.
We can take care of just about everything for you (just ask us!)


Open an E*TRADE Rollover IRA

You can apply online in about 15 minutes. If you’re planning to roll the assets into an existing E*TRADE IRA, you can skip this step.


Roll over your old retirement plan assets

Contact your former plan administrator and let them know you’d like to roll over. Fill out any required forms, then request to have a check made payable to “Morgan Stanley, FBO <Your Name>” with your account number on the front.
Ask them to mail the check to:


E*TRADE from Morgan Stanley

PO Box 484

Jersey City, NJ 07303-0484


Choose investments

We’ll notify you when your assets have arrived and are available for investing. You can use our online tools to choose from a wide range of investments, including stocks, bonds, ETFs, mutual funds, and more. Or, you can enroll your IRA in our Core Portfolios program, and we’ll invest for you.

Please note: Some rollover situations may require additional steps. If your situation is a little more complicated (for example, splitting assets between a Rollover and Roth IRA or transferring company stock), give us a call. We’ll be glad to walk you through exactly what to do.

Want to learn more?

Our rollover tool helps you to evaluate your eligibility for options for an eligible rollover distribution from a former employer sponsored qualified retirement plan. Answer a few simple questions, and our tool helps to provide insights based upon the rules of the road for employer sponsored plans.

Learn more

Trade more, pay less

With E*TRADE from Morgan Stanley, you pay $0 commissions for online US-listed stock, ETF, mutual fund, and options trades. Here’s a quick overview of our clear, competitive per-trade pricing.1

Rollover IRA FAQs

See all FAQs

Already have an IRA? Contribute now.

  • Must be 18 years of age or older
  • To apply online, must be a US citizen or resident
  • Generally, an investor cannot roll over assets from an employer's plan into an IRA unless they have changed jobs, retired, or are over age 59½
  • An investor may also roll over into a Roth IRA if they have made after-tax contributions to a Roth 401(k) or Roth 403(b), or want to convert a pre-tax 401(k) to a Roth IRA


  1. A Traditional, Rollover, or Roth IRA account must first be opened with E*TRADE, unless account assets will be rolled over into an existing IRA. 

  2. Contact the benefits administrator of the former employer and complete all distribution forms required to initiate the direct rollover. 

For rollovers via check:

Instruct the plan administrator to issue a distribution check made payable to: 

Morgan Stanley, FBO <Name>

If rolling over to a Rollover IRA:

Make sure the Rollover IRA account number is included on the check.

If rolling over to a Roth IRA:

Make sure the Roth IRA account number is included on the check.

If rolling over to a Rollover and Roth IRA, separate checks must be issued for each.

Instruct the plan administrator to mail the check to:

E*TRADE from Morgan Stanley

PO Box 484

Jersey City, NJ 07303-0484

If the plan administrator sends you the check, simply forward it along with an IRA Deposit Slip to E*TRADE at the address above.

For securities rollovers:

Instruct the plan administrator to forward securities to DTC Clearing 0015, Code 40.

Or, if the plan administrator wants to mail certificates, make sure the certificates clearly indicate the E*TRADE Rollover or Roth IRA account number and are registered to the following:

Morgan Stanley, FBO <Name>

Instruct the plan administrator to mail the certificates to:

E*TRADE from Morgan Stanley

PO Box 484

Jersey City, NJ 07303-0484

Learn more about direct rollovers.

A rollover generally takes 4–6 weeks to complete. However, this timeframe depends on how long the former employer or plan administrator takes to process the transaction.

Yes. Any amounts rolled over directly from a pre-tax employer plan into a Traditional or Rollover IRA are reportable, but not taxable. The former employer will send IRS Form 1099-R, which reports the plan distribution. E*TRADE will then send IRS Form 5498 by May 31 of the following year, reporting the incoming rollover to offset the distribution. However, if a pre-tax qualified plan is rolled over into a Roth IRA, this transaction is taxable and must be included in taxable income. Consult with a tax advisor for more information.

Generally, assets from an employer’s plan cannot be rolled over unless the participant has changed jobs, retired, or is over age 59½. Check with the employer's plan administrator to confirm whether assets may be transferred while still employed.

  • Rollovers and transfers are two different ways of moving funds
  • 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. A direct rollover is reportable on tax returns, but not taxable.
  • A transfer is the movement of IRA assets held by one trustee or custodian to an identically registered IRA held by another trustee or custodian, without taking physical receipt of the funds. Account transfers are not reportable on tax returns and can be completed an unlimited number of times per year.

Explore similar accounts

Core Portfolios

Automated investment management

Get a diversified portfolio that’s monitored and managed for a low annual advisory fee of 0.30% and $500 minimum.6

Roth IRA9

Tax-free growth potential retirement investing

Pay no income taxes or tax penalties on qualified distributions if you meet certain requirements.


For retirement investors over age 59½

Upgrade your account for flexible access to cash with free checking, online bill pay, and ATM/debit cards.10,11