Yes! You can use AI to fill out Fidelity Change of Account Registration — Changing to a Trust, Estate, Guardian, or Conservator Brokerage Account

This form is complex and often requires multiple supporting documents, such as death certificates, court appointments, or separate trust certification forms. People frequently overlook a required item, submitting an incomplete package. Fidelity explicitly states they will be unable to reregister the account if ALL required forms and documents are not provided at the same time, leading to outright rejection and significant delays. To avoid this, use the matrix on pages 1-3 as a checklist to gather every required document before submission.

The form has two distinct signature sections (10a and 10b), and the required signers vary based on the specific transaction type outlined in the initial information matrix. A common error is having the wrong person sign, signing in the wrong section, or missing a signature entirely, such as when 'All Trustees MUST sign.' An incorrect or missing signature will invalidate the request, forcing the applicant to refill and re-sign the form, often requiring another trip to get a Medallion Signature Guarantee. Carefully consult the 'Who Must Sign' column in the matrix for your specific situation.

Applicants often confuse a Medallion Signature Guarantee with a more common notary stamp, or they fail to get one when required. The form specifies that this guarantee is needed for many transactions over a certain dollar amount (e.g., over $100,000). Submitting the form without a required Medallion guarantee results in immediate rejection, as it is a necessary step to protect against fraud. You must obtain this special guarantee from a bank, credit union, or other financial institution; a notary public seal is not an acceptable substitute.

When changing an account due to death or guardianship, the form requires a 'certified copy of court appointment... dated within 180 days.' A frequent mistake is submitting a document that is older than this six-month window. This happens when people use older copies they have on file instead of requesting a newly certified copy from the court. An expired document will not be accepted, halting the entire process until a current one is provided.

Sections 5, 6, and 7 require detailed information for trustees, legal representatives, and beneficial owners, with separate fields for individuals and entities. People often enter an entity's name in the 'First Name/Last Name' fields or fail to check the 'Trustee is an Entity' box. This mistake is critical because entity owners require additional, separate forms (e.g., 'Beneficial Ownership — Control Person/Entity Owner for Entities'), and failing to provide them will lead to an incomplete application and processing delays.

The form explicitly states that a decedent's Social Security Number (SSN) may not be used for tax reporting on trust and estate accounts. However, executors or trustees may mistakenly enter the deceased's SSN out of habit. This will cause tax reporting errors and require correction. The new trust or estate must have its own Taxpayer Identification Number (TIN/EIN), or in some cases, use the SSN of a living grantor.

Sections 5, 6, and 7 require extensive personal details, including full legal name 'as evidenced by a government-issued, unexpired document,' residential address (not a PO Box), and income source. Applicants often provide a nickname, skip the employer address, or leave the 'Source of Income' field blank if retired or unemployed. Due to strict financial regulations, any missing information in these sections will cause the form to be returned for completion, delaying the account change.

When using the separate 'Certification of Trust' form, two common errors occur. First, if no one has the power to amend or revoke the trust, applicants leave those lines blank instead of following the instruction to write 'none.' Second, they may fail to have the signatures of ALL trustees notarized when required by state law (a list of states is provided on the form). Either of these mistakes will render the certification invalid and halt the primary account change request.

The documentation requirements for domestic and foreign trusts are different; domestic trusts can often use the 'Fidelity Certification of Trust' form, while foreign trusts require copies of the actual trust documents. People may not realize their trust is considered 'foreign' or may simply submit the wrong documentation. This leads to a rejected application, as the verification requirements for each trust type are distinct and non-interchangeable.

The 'Associations' and 'Affiliations' sections are often overlooked because they don't apply to most people. However, if an account owner or a close family member works for a broker-dealer (like another investment firm) or is a director or major shareholder of a public company, this information must be disclosed. Forgetting to complete this section can lead to compliance issues and requires follow-up from Fidelity, delaying the account setup. AI-powered tools like Instafill.ai can help prevent this by flagging these sections to ensure they are reviewed and not accidentally skipped.