If you have more than one 401(k) account with Guideline, you may be able to roll funds from one account to another, allowing you to consolidate assets and investment strategies.
To transfer funds between Guideline accounts, you must:
Be actively employed by an employer offering a 401(k) plan with Guideline and eligible to take a distribution from the other 401(k) plan with Guideline.
Have your accounts merged so you can see both 401(k) accounts under the same login.
If you have separate logins for your Guideline 401(k) accounts, contact our participant support team to have them merged. To verify your identity, please include the following information.
Your Guideline Account IDs (for both plans if available)
The email address you would like as your primary login
Whether the companies sponsoring the 401(k) accounts are related business entities (such as a parent company and subsidiaries), if known
Once your accounts are merged, when you login, on the left side click on the plan that you are distributing the funds from.
Click on “View Options” on the "Next steps for your 401(k)" banner:
If you do not see this banner, you can also check under Money movement > Move money out > Consolidate accounts.
When in the workflow, you will confirm your personal information, and on the next screen you can select, “Roll your funds into another Guideline account.” You’ll then see a drop down allowing you to pick your other Guideline 401(k) plan.
As this is a Guideline-to-Guideline rollover, it is treated as an in-kind transfer, and no investments will be liquidated. It takes 3 to 5 business days on average for the rollover to process.