Yes! You can use AI to fill out Fidelity ABLE Account Rollover/Transfer Request Form
The Fidelity ABLE Account Rollover/Transfer Request form allows eligible individuals or their authorized representatives to move assets from a non-Fidelity ABLE account, a Fidelity 529 account, or a non-Fidelity 529 account into a Fidelity ABLE account. It is an important document for individuals with disabilities who wish to consolidate or transfer tax-advantaged savings without triggering tax penalties, provided IRS rollover rules are followed. The form captures account details, transferring firm information, distribution instructions, and required signatures, including Medallion signature guarantees where applicable. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form specifications
| Form name: | Fidelity ABLE Account Rollover/Transfer Request Form |
| Number of pages: | 1 |
| Filled form examples: | Form ABLE Rollover/Transfer Request Examples |
| Language: | English |
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How to Fill Out ABLE Rollover/Transfer Request Online for Free in 2026
Are you looking to fill out a ABLE ROLLOVER/TRANSFER REQUEST form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your ABLE ROLLOVER/TRANSFER REQUEST form in just 37 seconds or less.
Follow these steps to fill out your ABLE ROLLOVER/TRANSFER REQUEST form online using Instafill.ai:
- 1 Navigate to Instafill.ai, search for the Fidelity ABLE Account Rollover/Transfer Request form, and upload or select the form to begin filling it out online.
- 2 Complete Section 1 by entering your Fidelity ABLE account number, the Designated Beneficiary's name and Social Security or Taxpayer ID Number, and the Person with Signature Authority (PSA) information and daytime phone number if applicable.
- 3 Select the appropriate transfer type by completing Section 2 for a 60-day rollover (if you have a check), Section 3 for a program-to-program transfer from a non-Fidelity ABLE account, Section 4 for a rollover from a Fidelity 529 account, or Section 5 for a rollover from a non-Fidelity 529 account.
- 4 Provide the transferring account and firm details in the relevant section, including the account number, firm name, contact person, phone number, and mailing address, along with specific transfer or liquidation instructions and portfolio amounts.
- 5 Review all entered information for accuracy, ensuring compliance with IRS regulations such as the 12-month rollover limit and annual contribution limits for ABLE accounts.
- 6 Complete Section 6 by having all required signers (PSA or Designated Beneficiary/Eligible Individual, and 529 Participants if applicable) sign and date the form, obtaining a Medallion Signature Guarantee where required.
- 7 Submit the completed form along with any required supporting documents (such as a principal and earnings statement) and any rollover check to Fidelity Investments via regular or overnight mail, or visit a Fidelity Investor Center.
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Frequently Asked Questions About Form ABLE Rollover/Transfer Request
This form is used to initiate a rollover or program-to-program transfer of ABLE or 529 assets into an ABLE account at Fidelity. It covers transfers from non-Fidelity ABLE accounts, non-Fidelity 529 plans, and Fidelity 529 accounts.
No, this form cannot be used to change the beneficiary on your ABLE account. To change a beneficiary, you must download the separate 'Beneficiary Change — ABLE Account' form from Fidelity.com/forms.
Yes, you must already have an ABLE account at Fidelity established for the Designated Beneficiary before submitting this form. If you don't have one, visit Fidelity.com/ABLE to open a new Fidelity ABLE account first.
According to IRS regulations, you are only eligible to roll over or complete a program-to-program transfer into another ABLE account once every 12 months without changing the beneficiary. Exceeding this limit may result in tax penalties.
A rollover to an ABLE account must be completed within 60 days of the distribution from the original account. If the 60-day deadline is missed, the distribution will be subject to federal income taxes and a federal penalty tax.
Yes, the IRS treats 529-to-ABLE rollovers as contributions to the ABLE account. The rollover amount, combined with any other contributions, cannot exceed the maximum annual contribution limit for the ABLE account in that year, and this limit cannot be increased even if the beneficiary has earned income.
Yes, per IRS regulations, a principal and earnings statement must be provided with any 529-to-ABLE or ABLE-to-ABLE rollover. Until Fidelity receives this documentation, the entire rollover amount will be treated as earnings in the account.
If a Person with Signature Authority (PSA) is established on the account, the PSA must sign in Section 6a. Otherwise, the Designated Beneficiary/Eligible Individual must sign. Additionally, if the transfer involves a Fidelity or non-Fidelity 529 account, all Participants of the 529 account must also sign in Section 6b.
A Medallion Signature Guarantee is required in Section 6b if the 529 participant is different from the individual signing in Section 6a AND the value of the transfer is greater than $10,000. This requirement is waived if the form is completed at a Fidelity Investor Center. Note that a notary seal is NOT a substitute for a Medallion Signature Guarantee.
Submit the completed form directly to Fidelity — do NOT send it to your current ABLE or 529 account administrator. Send via regular mail to Fidelity Investments, PO Box 770001, Cincinnati, OH 45277-0037, or via overnight mail to 100 Crosby Parkway KC1K, Covington, KY 41015.
If you don't have a check yet, Fidelity will contact your current ABLE account administrator and initiate a full liquidation and transfer of the ABLE assets directly to Fidelity. Please note that Fidelity is not responsible for market fluctuation on requests with written liquidation instructions.
Yes, in Section 5 you can choose either a Full Liquidation (transfer your entire account) or a Partial Liquidation (transfer only a specified amount from specific portfolios). You can list multiple portfolios and dollar amounts, and attach extra sheets if needed for additional portfolio listings.
Yes, you can use AI-powered services like Instafill.ai to auto-fill this form accurately and save time. Instafill.ai can also convert flat, non-fillable PDF versions of this form into interactive fillable forms, making the process even easier.
Visit Instafill.ai, upload the ABLE Account Rollover/Transfer Request PDF, and the AI will guide you through filling in all required fields — including account numbers, beneficiary information, transfer details, and signature sections. Once complete, you can download and submit the filled form to Fidelity.
For questions about this form, you can visit Fidelity.com/ABLE or call Fidelity directly at 844-458-2253. You may also want to check with your current account administrator, as they may have their own requirements or forms needed to process the transfer on their end.
Compliance ABLE Rollover/Transfer Request
Validation Checks by Instafill.ai
1
Fidelity ABLE Account Number Format and Presence Validation
Verifies that the Fidelity ABLE Account Number field (AccountNumber) is populated and conforms to Fidelity's standard account number format. This is critical because the form explicitly states that an ABLE account at Fidelity must already exist before submitting this form. If the account number is missing or malformed, the rollover or transfer cannot be processed and the submission must be rejected with instructions to open an account at Fidelity.com/ABLE first.
2
Social Security or Taxpayer ID Number Format Validation
Ensures that all SSN/TIN fields (BeneSSN, AccountOwnerSSN, RollAccountOwnerSSN, RollBeneAccountOwnerSSN, 2RollAccountOwnerSSN, 2RollBeneAccountOwnerSSN, 2RollBeneAccountOwnerSSN1) follow the standard 9-digit format (XXX-XX-XXXX) and contain only numeric characters. Invalid or incomplete SSNs can cause IRS reporting failures and prevent proper account identification. Any SSN field that is partially filled or contains non-numeric characters should trigger a validation error requiring correction before processing.
3
Designated Beneficiary Name Presence Validation
Confirms that the Designated Beneficiary/Eligible Individual Name (OwnerName) and corresponding SSN (BeneSSN) are both populated in Section 1, as these fields uniquely identify the ABLE account holder. The beneficiary's identity is required for IRS compliance and to ensure the rollover is credited to the correct individual. If either field is missing, the form cannot be processed and must be returned to the submitter.
4
Mutually Exclusive Section Selection Validation
Validates that only one transfer/rollover section (Section 2, 3, 4, or 5) is completed or selected, as each represents a distinct transaction type that cannot be combined in a single submission. Completing multiple sections simultaneously would create ambiguous or conflicting instructions that Fidelity cannot execute. If more than one section is found to be filled out, the form should be flagged for clarification from the submitter.
5
60-Day Rollover Section Completeness Check
When Section 2 (60-Day Rollover) is selected, validates that the appropriate checkbox is checked — either 'from a non-Fidelity ABLE account' or 'from a non-Fidelity 529 account' — and that only one option is selected. Since a physical check must accompany this section, the validation should also confirm that the rollover type is clearly indicated so Fidelity can apply the correct IRS treatment. Failure to specify the source account type prevents proper earnings/principal classification required by IRS regulations.
6
Program-to-Program Transfer Transferring Firm Information Completeness
When Section 3 is completed for a program-to-program ABLE-to-ABLE transfer, validates that all required Transferring Firm fields are populated, including Transferring Account Number (RollAcctNum), Transferring Firm Name (TransFirmName), Contact Person (ContactName), Daytime Phone (ContactDayPhone), and full mailing address (MailingAddress, MailingCity, MailingState, Mailing_Zip_PostalCode). Fidelity must contact the transferring administrator to initiate the full liquidation, and missing contact or account information will delay or prevent the transfer. Incomplete firm information should result in the form being returned for completion.
7
Fidelity 529 Account Number and Beneficiary Name Consistency Check
When Section 4 (Rollover from a Fidelity 529 Account) is completed, validates that both the Fidelity 529 Account Number (529Account) and the 529 Beneficiary Name (529BeneName) are provided and non-empty. These fields are necessary for Fidelity to locate the source 529 account internally and verify the beneficiary relationship. If either field is missing, the internal transfer cannot be initiated and the form must be returned.
8
Section 4 Portfolio Amount and Selection Consistency Validation
When a partial distribution is selected in Section 4, validates that at least one portfolio name (DistPortfolio1, DistPortfolio2, DistPortfolio3) is provided along with a corresponding dollar amount (DistAmount1, DistAmount2, DistAmount3) or the 'ALL' checkbox is selected for that portfolio. The total dollar amount (DistAmountTotal) must equal the sum of all individual portfolio amounts listed. Inconsistencies between individual portfolio amounts and the total, or missing portfolio names with amounts, would result in incorrect or incomplete liquidation instructions.
9
Non-Fidelity 529 Transfer Account Type Selection Validation
When Section 5 is completed for a rollover from a non-Fidelity 529 plan, validates that exactly one account type is selected from the available options (Individual, Joint, or Other) in the Type field. The IRS and Fidelity require that the 529 be either an individual or joint account for this type of transfer, and the account type determines which participant signatures are required in Section 6b. If no type is selected or an ineligible type is indicated, the form should be flagged before processing.
10
Joint 529 Participant Information Completeness When Joint Type Selected
When the 'Joint' account type is selected in Section 5, validates that the Joint 529 Participant Name (2RollBeneOwnerName1) and corresponding SSN (2RollBeneAccountOwnerSSN1) fields are populated. A joint 529 account requires both participants to be identified for proper authorization and IRS reporting purposes. If the joint participant information is missing when the Joint type is selected, the form is incomplete and cannot be processed.
11
529 Beneficiary Relationship Field Requirement When Beneficiary Differs from ABLE Beneficiary
Validates that the '529 Beneficiary Relationship to the ABLE Designated Beneficiary/Eligible Individual' field (2RollBeneRelationship) is completed when the 529 beneficiary (2RollBeneOwnerName) is a different individual from the ABLE account's Designated Beneficiary (OwnerName). IRS regulations governing 529-to-ABLE rollovers require that the 529 beneficiary be the same individual as the ABLE beneficiary or a qualifying family member, and the relationship must be documented. If the names differ but no relationship is provided, the form must be returned for clarification.
12
Section 5 Transfer Instructions Completeness and Consistency Validation
When Section 5 is completed and 'Partial Liquidation' is selected, validates that the Total Amount (3TotalAmount) is provided and that at least one portfolio name (3PortfolioName through 3PortfolioName4) is specified with either a dollar amount or a 'Full Portfolio Distribution' checkbox selected. The sum of all individual portfolio amounts must equal the stated total amount. Missing portfolio details or a mismatch between individual amounts and the total will result in ambiguous liquidation instructions that cannot be executed.
13
Daytime Phone Number Format Validation
Validates that all daytime phone number fields (DayPhone, ContactDayPhone, 2ContactDayPhone) follow a standard 10-digit U.S. phone number format (e.g., XXX-XXX-XXXX) and contain only numeric characters. Phone numbers are used by Fidelity and transferring firm contacts to resolve questions during processing, and an incorrectly formatted or incomplete phone number could delay the transaction. Fields with fewer than 10 digits or non-numeric characters should be flagged for correction.
14
Signature Section 6a Signer Role Consistency Validation
Validates that the correct individual signs in Section 6a based on whether a Person with Signature Authority (PSA) is established on the account. If a PSA name is provided in Section 1 (AccountOwnerSSN area), the PSA must be the signer in 6a; if no PSA is listed, the Designated Beneficiary/Eligible Individual must sign. The printed name in Section 6a (OwnerAuthName) should match either the PSA name or the Designated Beneficiary name provided in Section 1. A mismatch between the signer role and the name on file would render the authorization invalid.
15
Signature Date Format and Currency Validation
Ensures that all date fields in Section 6 (for both 6a and 6b signers) are in the required MM/DD/YYYY format and represent valid calendar dates that are not in the future. For 60-day rollovers, the signature date is particularly important because the rollover must be completed within 60 days of the distribution from the originating account; a missing or invalid date prevents Fidelity from verifying compliance with this IRS deadline. Any date field that is blank, improperly formatted, or logically invalid (e.g., month > 12) must be flagged.
16
Section 5 Non-Fidelity 529 Transferring Firm Contact Information Completeness
When Section 5 is completed, validates that all transferring firm fields are populated, including 529 Account Number (2RollAcctNum), Transferring Firm Name (2TransFirmName), Contact Person (2ContactName), Daytime Phone (2ContactDayPhone), and full mailing address (2MailingAddress, 2MailingCity, 2MailingState, 2Mailing_Zip_PostalCode). Fidelity must contact the non-Fidelity 529 administrator to initiate the liquidation and transfer, and incomplete contact information will prevent Fidelity from reaching the administrator. Missing required firm details should result in the form being returned to the submitter before any action is taken.
Common Mistakes in Completing ABLE Rollover/Transfer Request
Many people submit this rollover/transfer form without first establishing an ABLE account at Fidelity, assuming the form itself will open one. The form explicitly requires an existing Fidelity ABLE account for the Designated Beneficiary before submission. Without a pre-existing account, the form cannot be processed and will be rejected, causing delays. Always visit Fidelity.com/ABLE to open an ABLE account first, then complete this form.
A common error is submitting this form to the current ABLE or 529 account administrator rather than directly to Fidelity. The form clearly states it must be submitted to Fidelity, not to the transferring institution. Sending it to the wrong party causes processing delays and may result in the form being lost or ignored. Always mail or deliver the completed form directly to Fidelity at the addresses listed on page 6.
When completing a 60-day rollover (Section 2), people often delay submitting the form after receiving a distribution check, unaware that IRS regulations require the rollover to be completed within 60 days of the distribution date. Missing this deadline means the distribution will be subject to federal income taxes and a federal penalty tax. Submit the form and check to Fidelity as soon as possible after receiving the distribution to avoid tax consequences.
People frequently overlook that IRS regulations treat 529-to-ABLE rollovers as contributions to the ABLE account, meaning the rollover amount combined with any other contributions cannot exceed the maximum annual contribution limit for that year. Attempting to roll over an amount that pushes total contributions over the limit will result in an excess contribution, which carries tax penalties. Before initiating the rollover, calculate your remaining annual contribution room and limit the rollover accordingly.
For both 529-to-ABLE and ABLE-to-ABLE rollovers, IRS regulations require a principal and earnings statement from the distributing account to be submitted with the form. Many people overlook this requirement and submit the form without this documentation. Without it, Fidelity is legally required to treat the entire rollover amount as earnings, which can have significant tax implications. Request this statement from your current account administrator before or at the time of submitting this form.
The form has multiple sections for different transfer types (Section 2 for 60-day rollovers with a check, Section 3 for ABLE-to-ABLE program transfers, Section 4 for Fidelity 529 rollovers, and Section 5 for non-Fidelity 529 rollovers), and people frequently complete the wrong section or multiple conflicting sections. Completing the wrong section can result in the transfer being processed incorrectly or rejected entirely. Carefully read the section headers and 'Applicable for' notes to identify which section matches your specific situation.
People often enter incorrect Social Security Numbers or Taxpayer ID Numbers for the Designated Beneficiary, PSA, or 529 participants, or leave these fields blank entirely. These numbers are critical for IRS compliance and account identification; errors can cause the transfer to be rejected or misapplied. Double-check all SSN/TIN entries carefully, ensuring they match official documents exactly. AI-powered form filling tools like Instafill.ai can help auto-populate and validate these fields to reduce data entry errors.
Many people are confused about who must sign in Section 6a: if a Person with Signature Authority (PSA) is established on the account, the PSA must sign — not the Designated Beneficiary. Conversely, if there is no PSA, the Designated Beneficiary/Eligible Individual must sign. Signing with the wrong party's signature renders the form invalid and will cause it to be rejected. Review the account setup to determine whether a PSA exists before completing Section 6.
When the 529 participant signing in Section 6b is different from the individual signing in Section 6a AND the transfer value exceeds $10,000, a Medallion Signature Guarantee is required. People commonly confuse a notary seal with a Medallion Signature Guarantee, or simply omit it, causing the form to be rejected. A Medallion Signature Guarantee must be obtained from a bank, credit union, or other qualified financial institution — a notary stamp is explicitly not acceptable.
Some people use this rollover/transfer form when they actually intend to change the beneficiary on their ABLE account, perhaps because they are moving assets to a different family member's account. The form explicitly states it should NOT be used for beneficiary changes, and doing so will result in the form being rejected. For beneficiary changes, download the separate 'Beneficiary Change — ABLE Account' form from Fidelity.com/forms.
IRS regulations allow only one rollover or program-to-program transfer into an ABLE account per 12-month period without changing the beneficiary, and many people are unaware of this restriction. Attempting a second rollover within 12 months without a beneficiary change will result in a prohibited transaction, triggering taxes and penalties. Track the date of your last rollover carefully and wait the full 12 months before initiating another, or consult a tax advisor if you need to move funds sooner.
In Sections 3 and 5, people often provide incomplete or inaccurate information about the transferring firm — such as missing the account number, contact person, phone number, or full mailing address. Fidelity needs this information to contact the transferring institution and initiate the liquidation and transfer on your behalf. Incomplete firm information causes significant delays or outright failure of the transfer. Gather all transferring firm details from your most recent account statement before completing the form, or use a tool like Instafill.ai to help organize and validate the required information.
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