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Rollover Checklist: Three Steps to Roll Over Your 401(k)

We can help you every step of the way as you move your money from an old 401(k) or other workplace savings plan to a Fidelity IRA.

A rollover specialist can answer your questions, help you initiate the distribution, and see you through the rest of the process. Use this checklist or call 800-343-3548 to get started.

ret_video_thumb If you have additional questions about rolling over, watch this video before you start the process.

Watch now. (05:27)

Step 1:

Open a Fidelity Rollover IRA

If you haven't done so already, open a Fidelity Rollover IRA online.

You may need to open a Fidelity Roth IRA if:

  • You want to roll a Designated Roth Account (also known as a Roth 401(k)) into a Roth IRA.
  • You want to roll your old 401(k) directly into a Roth IRA.

Rolling your 401(k) to a Roth IRA would incur taxes. Call and speak with a rollover specialist to learn more.

Step 2:

Move your money to Fidelity

Request a direct rollover from your old 401(k) plan. A rollover specialist can help you contact your former employer's plan administrator, or you can contact the administrator on your own.

Mailing addresses

Regular Mail:
Fidelity Investments
ATTN: Direct Rollovers
PO Box 770001
Cincinnati, OH 45277-0037

Overnight Mail:
Fidelity Investments
ATTN: Direct Rollovers
100 Crosby Parkway KC1H
Covington, KY 41015-0037
  • Complete any forms required by the plan administrator.
  • Instruct them to make the check payable to: "Fidelity Management Trust Company (or FMTC), FBO: [your name]/[Fidelity IRA account number]."
  • Mail the check to one of the addresses shown here, bring it into an Investor Center, or scan and deposit it using Fidelity Mobile® on an iPhone®, iPad®, or Android™ device.

Fidelity will notify you by email and by U.S. mail when your funds have arrived.

Step 3:

Choose your investments

We can help you create a retirement plan, invest your assets, and stay on track. Knowing that different investors like different levels of support, there are several ways to invest with Fidelity.

Invest on your own: Take advantage of our investment research, and use our calculators and tools to help you build your portfolio and create a retirement plan.

Have us help you: Call one of our investment professionals at 800-343-3548 to receive a complimentary, one-on-one portfolio review.*

Let us do it for you: When you invest in a Managed Account, our investment professionals do the work for you by actively managing your money

Note: If you are transferring an IRA from another financial institution, please use the IRA checklist.


Rolling Over Your Retirement Plan Assets

Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.
Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.
*Although consultations are one-on-one, guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions.