If you are eligible to participate in a Guideline and have retirement savings with other retirement providers, you may be able to rollover external funds to your Guideline account. Whether you’ll be able to transfer your funds will depend on the type of account they’re coming from and going to.
The chart below can help you determine if your funds will be eligible for a rollover to Guideline.
Why consider a rollover
Rolling over your other retirement accounts to Guideline could help with the following:
Streamlined savings: More easily keep track of your contributions, total savings, and portfolio performance, with all your retirement funds in one place.
Investment choices: With Guideline, you’ll have access to the six professionally managed portfolios or the ability to build a custom portfolio of the available funds⁴.
Lower costs: The total assets under management (AUM) fees⁵ for the managed portfolios is about 6x less than the industry average,⁶ helping you keep more of your retirement savings. We also don’t charge for routine one-time transactions, like loans, rollovers, or distributions.
Ready to get started?
Find out how to begin the rollover process with Guideline.
¹ Simple IRAs cannot be rolled over to a Traditional IRA, Roth IRA, or 401(k) (pre-tax) unless at least 2 years have passed since the first contribution was made to the Simple IRA. Starting in 2024, the 2-year requirement will be waived for SIMPLE IRA plans that transition to a Safe Harbor 401(k) plan provided the SIMPLE IRA balance is rolled into the replacement Safe Harbor 401(k).
² Funds will be distributed between traditional and Roth balances based on their origin (i.e., Roth funds will rollover to a Roth balance).
³ Non-Roth after-tax in a 401(k) cannot be rolled over to a Guideline 401(k).
⁴ Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see the ADV 2A Brochure and Form CRS.
⁵ Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser The estimated total AUM fee of 0.22% combines the average fund fees for the managed portfolios of 0.07% with an assumed account fee of 0.15%. Alternative account fee pricing is available, ranging from 0.08% to 0.35%. This information is provided for illustrative purposes only and the actual total AUM fees will vary based on the portfolio and/or funds selected. The managed portfolios have blended expense ratios ranging from 0.067% to 0.069% of assets under management. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by and paid to the fund(s). View full fund lineup here. The assumed annual account fee applied to assets under management is deducted on a monthly basis. See the Form ADV 2A Brochure for more information regarding fees.
⁶ This information is provided for illustrative purposes only, and is not intended to be taken as investment or tax advice. Consult a qualified tax and financial advisor to determine the appropriate investment strategy for you. The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in assets is 1.37% of assets, according to the 24th Edition of the 401k Averages Book, with data updated through September 30, 2023 The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in assets is 1.60% of assets, according to the 23rd Edition of the “401k Averages Book.” Data is updated through September 30, 2022, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap, and advisor fees or any other asset based charges.