Yes! You can use AI to fill out Fidelity Advisor 403(b) Distribution Request Form
This form is an official request for an account owner to receive funds from their Fidelity Advisor 403(b) retirement plan. It is important because it formally documents the reason for the distribution (such as reaching age 59½, separation from service, or disability) and specifies how the funds should be paid out, whether as a direct rollover, partial or full withdrawal, or periodic payments. 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 Advisor 403(b) Distribution Request Form |
| Number of pages: | 6 |
| Filled form examples: | Form Fidelity Advisor 403(b) Examples |
| Language: | English |
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How to Fill Out Fidelity Advisor 403(b) Online for Free in 2026
Are you looking to fill out a FIDELITY ADVISOR 403(B) form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY ADVISOR 403(B) form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY ADVISOR 403(B) form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Fidelity Advisor 403(b) Distribution Request Form.
- 2 Use the AI assistant to accurately fill in your personal account information, date of birth, and contact details in Section 1.
- 3 Provide your employer and financial advisor's information in Sections 2 and 3.
- 4 In Section 4, select your reason for the distribution, and in Section 5, specify the method of payment, such as a direct rollover, partial/full withdrawal, or periodic payments.
- 5 Complete the tax withholding elections in Section 6 based on your preferences.
- 6 Review all the information populated by the AI for accuracy, then electronically or manually sign and date the form in Section 8.
- 7 Obtain the required signature from your Employer/Plan Sponsor or TPA in Section 7, get a signature guarantee if necessary, and submit the completed form to Fidelity via mail.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form Fidelity Advisor 403(b)
This form is used to request a distribution, or withdrawal, from your Fidelity Advisor 403(b) retirement account. You can use it for distributions due to reaching age 59½, separation from service, or disability.
Any owner of a Fidelity Advisor 403(b) account who wishes to take money out of their account must fill out this form. In most cases, your Employer or Plan Sponsor must also sign the form to authorize the distribution.
No, this form cannot be used for hardship withdrawals. You must request and complete the separate 'Fidelity Advisor 403(b) Financial Hardship Distribution Form' for that specific purpose.
Section 5 outlines four methods: a direct rollover to another retirement account, a one-time partial withdrawal, a full withdrawal of your entire balance, or periodic installment payments. You can select a single method or a combination of methods.
Yes, your Employer, Plan Sponsor, or TPA must sign and certify the request in Section 7 if your reason for distribution is separation from service or disability. This approval is not required if you are taking a distribution because you have reached age 59½.
A signature guarantee is a special stamp from a financial institution that verifies your identity and signature. It is required if your distribution is $100,000 or more, if the payment is sent to an address not on file, or if your address has changed in the last 15 days.
You can mail the completed form via regular mail to P.O. Box 770002, Cincinnati, OH 45277-0090, or via overnight delivery to 100 Crosby Parkway, KC1E, Covington, KY 41015.
If you take a cash withdrawal that is eligible for a rollover but do not roll it over, Fidelity is required to withhold 20% for federal income taxes. The 'Special Tax Notice' included with the form provides detailed information on tax implications.
You will need your personal information (SSN, DOB), employer details, and your financial advisor's contact information. If you are rolling over funds, you will also need the account details for the receiving institution.
A 'Direct Rollover' moves your money directly to another eligible retirement account, which avoids immediate taxes and penalties. A 'Withdrawal' means you receive the money directly as cash, which is generally a taxable event.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your saved information, which can save you time and help prevent errors.
You can upload the PDF to Instafill.ai, and its AI will make the fields fillable. You can then type your information once and have it populate across the form or use your saved profile to fill it instantly before printing.
If you have a non-fillable or 'flat' PDF, you can use a service like Instafill.ai. It can convert the static PDF into an interactive, fillable form that you can easily complete on your computer.
The form states that if the amount available on the distribution date is less than what you requested, your distribution will be processed for the maximum amount available in the account or fund you specified.
You can contact your Financial Advisor or call Fidelity directly at 877-895-5951. They are available Monday through Friday, from 8 a.m. to 5 p.m. Eastern time.
Compliance Fidelity Advisor 403(b)
Validation Checks by Instafill.ai
1
Validates Social Security Number Format and Presence
This check ensures that the Social Security Number field in Section 1 is not empty and follows the standard nine-digit format (XXX-XX-XXXX). This is critical for tax reporting purposes and for correctly identifying the account owner. If the SSN is missing or malformed, the form submission will be rejected, and the user will be prompted to provide a valid SSN.
2
Verifies 'Reason for Distribution' is Mutually Exclusive
This validation confirms that the user has selected exactly one reason for distribution in Section 4 (A, B, or C). Selecting multiple reasons or no reason creates ambiguity in processing the request and determining eligibility. A failure in this check would prevent form submission and require the user to select a single, appropriate reason.
3
Confirms Age 59½ Attainment
This check performs a logical comparison between the 'Date of Birth' in Section 1 and the selection of 'Attainment of age 59½' in Section 4. If the user selects this reason, their calculated age must be 59.5 years or older. This is important because this reason has unique processing rules, such as not requiring an employer signature, and is governed by IRS regulations. An age mismatch will result in a validation error.
4
Conditional Requirement for Employer Signature
This validation ensures that the 'Employer/Plan Sponsor or TPA Approval' in Section 7 is signed and dated if the reason for distribution in Section 4 is 'Separation from service' or 'Disability'. The signature is not required for 'Attainment of age 59½'. This check is crucial for confirming the participant has met the plan's distribution requirements. If the required signature is missing, the request cannot be processed and will be returned.
5
Ensures Distribution Methods are Logically Consistent
This check prevents the selection of conflicting distribution methods in Section 5. For example, a user cannot select both 'Full Withdrawal' (Option 3) and 'Partial Withdrawal' (Option 2) or 'Systematic Withdrawal Plan' (Option 4). Similarly, selecting 'Roll over my entire account balance' in Option 1 should prevent the selection of any other withdrawal option. This prevents contradictory instructions and ensures the user's intent is clear.
6
Validates Completeness of Direct Rollover Details
If the user selects 'OPTION 1 – Direct Rollover' in Section 5, this check verifies that a sub-option (A, B, or C) is chosen and that the corresponding required information is provided. For example, if Option 1A is chosen, the 'Fidelity Advisor IRA Number' must be filled. This ensures the funds can be correctly transferred to the intended destination account. Incomplete information will halt processing until the details are supplied.
7
Verifies Specification for Partial Distributions
This check applies if the user selects 'Partial rollover' (Option 1) or 'Partial Withdrawal' (Option 2) in Section 5. It ensures that the user has specified at least one fund and a corresponding dollar amount or percentage for the withdrawal. Without this information, Fidelity cannot know how much money to distribute or from which investment to pull it. A failure would require the user to provide specific distribution instructions.
8
Systematic Withdrawal Plan Parameter Validation
When 'OPTION 4 – Systematic Withdrawal Plan' is selected, this validation confirms that all necessary parameters are set. The user must choose either the 'Specific Dollar Method' or 'Specific Period Method' and complete all associated fields, such as the amount/period, frequency (Monthly, Quarterly, Yearly), and start date. This ensures the payment plan can be set up accurately as requested. Missing parameters will result in a validation error.
9
Mandatory Account Owner Signature and Date
This check confirms that the 'Signature of Shareholder or Authorized Signer' and the 'Date' fields in Section 8 are both completed. The signature legally authorizes Fidelity to act on the instructions provided in the form and certifies the accuracy of the information. An unsigned or undated form is not legally binding and will be rejected immediately.
10
Conditional Signature Guarantee Validation
This validation determines if a Signature Guarantee is required in Section 8. The check is triggered if the total distribution amount requested is $100,000 or more, if the payment is being sent to an address not on record, or if the address was recently changed. This is a security measure to protect against fraud on large transactions. If a guarantee is required but not provided, the form will be rejected.
11
Validates Date of Birth and Date of Hire Formats
This check ensures that both the 'Date of Birth' and 'Date of Hire' fields in Section 1 are entered in the correct 'mm-dd-yyyy' format and represent valid calendar dates. It also checks that the Date of Hire is not before the Date of Birth. This formatting is essential for system processing and for eligibility calculations. An invalid format or date will cause a rejection and require correction.
12
Ensures Completeness of Account Owner Address
This validation verifies that the full street address, city, state, and ZIP code are provided in Section 1. This information is mandatory as it serves as the address of record for mailing checks, tax forms (like 1099-R), and other important correspondence. An incomplete address will prevent the processing of any distribution to be paid by check and may delay the entire request.
13
Foreign Address Withholding Election Rule
This check cross-references the address in Section 1 with the withholding elections in Section 6. If the provided address is outside the United States, the form explicitly states the user may not elect out of withholding. This validation enforces that rule, preventing a non-resident from incorrectly attempting to opt out of mandatory tax withholding. An invalid selection would be flagged for correction.
14
Validates Exclusivity of Rollover Amount Specification
Within Section 5, Option 1, this check ensures the user selects either 'Roll over my entire account balance' OR 'Partial rollover', but not both. These two options are mutually exclusive and selecting both creates an impossible instruction. This validation prevents ambiguity and ensures the processing system receives a clear directive on the amount to be rolled over.
Common Mistakes in Completing Fidelity Advisor 403(b)
Forgetting to obtain the employer or TPA signature in Section 7 is a frequent cause for rejection. This signature is required to certify eligibility for distributions due to separation from service or disability, and submitting the form without it will cause the request to be returned unprocessed. To avoid this, confirm if your distribution reason requires this approval and secure the signature before mailing the form.
The form requires a Medallion Signature Guarantee for distributions of $100,000 or more, or if the mailing address has recently changed. Applicants often mistakenly obtain a notary stamp, which is explicitly not accepted and will invalidate the request. A signature guarantee is a special certification from a financial institution that warrants the signature's authenticity. To prevent rejection, visit a participating bank or broker and specifically request a Medallion Signature Guarantee.
In Section 5, applicants often make ambiguous or contradictory selections, such as checking both 'Roll over my entire account balance' and also specifying a 'Partial Withdrawal' amount. This forces the processing agent to guess the applicant's intent, leading to delays or incorrect transactions. To avoid this, carefully select only the options that apply and ensure all corresponding fields for amounts, funds, and destinations are filled out completely and consistently.
This form explicitly states it cannot be used for financial hardship withdrawals, yet applicants may try to use it for this purpose, leading to an automatic rejection. Each distribution type has specific rules and often a dedicated form. Always read the instructions in Section 4 carefully to ensure your reason for distribution is permitted on this form to prevent wasting time on a submission that will be denied.
When choosing to roll funds to a new Fidelity Advisor IRA (Section 5, Option 1A), the form requires that the destination IRA be established *before* this request is submitted. Many people overlook this prerequisite, causing the rollover to fail because the target account doesn't exist. To ensure a smooth transfer, work with your financial advisor to open the new IRA and get the account number before completing this form.
When rolling over funds to another institution (Section 5, Option 1B), providing an incomplete or inaccurate name for the 'Receiving Custodian/Trustee' is a critical error. The distribution check is made payable to the exact name provided, and any mistake can make the check non-negotiable, causing significant delays and requiring a new form. Always verify the full, legal name of the receiving firm before submission. AI-powered tools like Instafill.ai can help by saving and accurately populating custodian information.
A missing signature or date in Section 8 is one of the most common and easily avoidable reasons for a form to be rejected. An unsigned form is legally invalid and cannot be processed, forcing a complete resubmission and delaying access to funds. Before mailing, always perform a final review to ensure your signature and the current date are present in the 'Your Signature' section.
In Section 6, applicants may elect out of tax withholding without understanding the consequences, such as facing a large tax bill and potential underpayment penalties later. It's crucial to know that for eligible rollover distributions not directly rolled over, a 20% federal withholding is mandatory and cannot be waived. Given the complexity, consulting a tax advisor before making these elections is highly recommended to avoid unexpected financial burdens.
The form instructs users to print clearly in all caps with black ink, but submissions with messy handwriting or blue ink are common. This can lead to data entry errors, such as incorrect account numbers or distribution amounts, causing significant processing delays. To prevent this, type directly into the writable PDF before printing. For non-fillable forms, tools like Instafill.ai can convert them into fillable versions and populate them with clean, typed text.
When requesting a partial withdrawal or rollover, applicants often forget to specify which funds or contribution sources (Pretax, Roth, etc.) to draw from. The form defaults to a proportional distribution from all holdings, which may trigger unwanted tax consequences or disrupt a planned investment strategy. To maintain control, explicitly list the fund names and the exact amounts or percentages to be distributed in the tables provided in Section 5.
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