Transferring an IRA Into Your Name

Take a look at the IRA options available to you. Once you've selected the option that best fits your situation, we will guide you through the account opening process.

Options for all inheritors

Make your selection based on the type of IRA you're inheriting. If you're unsure where to start, you can learn more about your choices.

Inherited IRA

If you are inheriting a Traditional IRA, Rollover IRA, SIMPLE IRA or SEP IRA, you can generally move those assets into an Inherited IRA. Continue the potential for tax-deferred growth while avoiding the impact of immediate income taxes.

Inherited Roth IRA

If you are inheriting a Roth IRA, you can generally move those assets into an Inherited Roth IRA. Avoid the impact of immediate income taxes while continuing the potential for tax-advantaged growth.

Are you an estate, trust, charity or organization inheriting an IRA?

Transfer your account by completing the Fidelity IRA and Inherited IRA application.

Additional options for spouses

In addition to the options above, as a spouse you have the option of moving your inherited assets into an existing IRA or a new account.

Transfer to an Existing IRA

Rollover the assets you're inheriting into an existing Traditional or Roth IRA to continue saving for retirement.

Complete the Spousal Claim Form for IRAs (PDF)

Open a new account

Start saving for retirement by moving your inherited assets into a new Traditional or Roth IRA.