Yes! You can use AI to fill out Fidelity Investments Earnings Automatic Withdrawal Plan — IRA
This form allows Fidelity account holders to establish a plan to automatically withdraw earnings, such as dividends and capital gains, from a Traditional, Roth, Rollover, SEP, or SIMPLE IRA. It is essential for individuals who wish to receive regular income from their retirement investments rather than reinvesting the earnings. 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 Investments Earnings Automatic Withdrawal Plan — IRA |
| Number of pages: | 1 |
| Language: | English |
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Follow these steps to fill out your 1.940250.110 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Fidelity Earnings Automatic Withdrawal Plan — IRA form.
- 2 Provide your personal details in Section 1, including your full name, Fidelity account number, and Social Security Number.
- 3 In Section 2, specify the type of request (establish, change, or delete), the reason for distribution, and the desired payment frequency.
- 4 Choose your preferred distribution method in Section 3, such as direct deposit to a Fidelity or bank account, or receiving a check by mail.
- 5 Complete Section 4 to indicate your federal and state tax withholding preferences for the withdrawals.
- 6 Carefully review all the information auto-filled by the AI for accuracy, then proceed to Section 5 to provide your digital signature and date.
- 7 Submit the completed and signed form directly through the platform to Fidelity Investments for processing.
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Frequently Asked Questions About Form 1.940250.110
This form is used to establish, change, or delete a plan to automatically withdraw earnings, such as dividends and capital gains, from your Fidelity IRA and have them paid to you as cash.
This form is for owners of a Traditional, Roth, Rollover, SEP, SIMPLE, Inherited, or Inherited Roth IRA. It should not be used for workplace savings accounts, annuities, or Fidelity managed accounts.
No, this plan is not designed to satisfy RMD requirements. You are responsible for ensuring you meet your RMD obligations separately.
If you are younger than 59½, you can still set up the plan, but be aware that withdrawals may be subject to an IRS early distribution penalty. You should select "Early" as the reason for distribution in Section 2.
In Section 4, you can choose your federal and state tax withholding rates. The default federal rate is 10%, but you can elect a different percentage or choose not to have taxes withheld, though this may result in you needing to make estimated tax payments.
Section 2 provides several frequency options, including daily, weekly, monthly, and quarterly. You can also set up a customized schedule for specific days and months.
In Section 3, you can choose to have funds deposited into a Fidelity nonretirement account, sent via Electronic Funds Transfer (EFT) to your bank, or mailed as a check to your address on record.
A Medallion signature guarantee is a special type of signature certification from a financial institution. It is required for this form if you are directing funds to a third-party bank account or a Fidelity account with no common owner.
The earnings automatic withdrawal plan only applies to earnings from securities where the reinvestment instruction is set to 'cash' rather than 'reinvest'. You can use this form to change all eligible positions to pay in cash.
Once you have signed the form, you can mail the entire document to the regular or overnight mail addresses provided at the top of page 4.
Yes, services like Instafill.ai use AI to auto-fill form fields accurately with your saved information, which can save you time and help prevent common errors.
You can use a service like Instafill.ai to complete the form digitally. Simply upload the PDF, and the tool will allow you to type your information directly into the fields and save or print the completed document.
If you have a non-fillable or 'flat' PDF, a tool like Instafill.ai can convert it into an interactive, fillable form. This allows you to easily type your answers instead of printing and filling it out by hand.
Yes, if your account number starts with a 2 followed by two letters, you must select the 'Daily' withdrawal frequency and can only use EFT to an outside bank account as your distribution method. Tax withholding options are also limited.
Compliance 1.940250.110
Validation Checks by Instafill.ai
1
Account and Owner Verification
Validates that the combination of Account Owner Name, Fidelity Account Number, and Social Security/Taxpayer ID Number in Section 1 corresponds to a valid, eligible IRA account. This check is crucial for security and to ensure the request is applied to the correct account. If the details do not match an existing eligible account, the form submission will be rejected to prevent fraud or processing errors.
2
Non-Resident Alien Eligibility Check
Verifies the account holder's status is not 'nonresident alien' based on Fidelity's client records. The form explicitly states this plan is not available to nonresident aliens due to special tax-withholding requirements. A failed check would result in an error message indicating ineligibility for the plan and blocking the submission.
3
'Mutual Fund Only' Account Rules Enforcement
If the account number from Section 1 is identified as a 'Mutual Fund Only' account, this check enforces several specific constraints. It ensures Frequency (Section 2) is 'Daily', Distribution Method (Section 3) is 'EFT to your bank account', and Federal Tax Withholding (Section 4) is either '0%' or '10%'. This prevents the user from selecting options incompatible with their account type, avoiding rejection and reprocessing.
4
Request Type Logic Validation
Ensures the form's workflow follows the 'Type of Request' selected in Section 2. If 'DELETE' is chosen, the system should lock or hide other sections and only require a signature. If 'ESTABLISH' is chosen, it validates that all required fields for a new plan are completed. This prevents incomplete submissions and ensures the user's intent is processed correctly.
5
SSN/TIN Format Validation
Checks that the 'Social Security or Taxpayer ID Number' field in Section 1 contains a number in a valid format (e.g., 9 digits, formatted as XXX-XX-XXXX or as a raw number). This is a fundamental data integrity check to ensure the number is syntactically correct for matching against backend records. An invalid format would trigger an immediate field-level error, prompting the user to correct it before submission.
6
Custom Schedule Completeness
If the 'Customized Schedule (X)' frequency option is selected in Section 2, this validation ensures that the user has selected at least one month and entered at least one valid day (a number from 1 to 31). This prevents the creation of an invalid or non-actionable schedule. If the condition is not met, an error message will prompt the user to complete the schedule details.
7
Daily Frequency and Mailed Check Incompatibility
This check enforces the rule that if 'Daily (D)' frequency is selected in Section 2, the 'Check mailed to the address of record' option in Section 3 cannot be selected. The form explicitly states this restriction. This validation prevents users from creating a request that is operationally impossible to fulfill, guiding them to a valid combination of choices.
8
EFT Information Completeness and Validity
When 'Electronic funds transfer (EFT)' is chosen in Section 3, this validates that all required bank details are provided and correctly formatted. It checks for the account type (checking/savings), a valid 9-digit Bank Routing/ABA Number, and the presence of a bank account number. This is critical to ensure funds are sent to the correct destination; failure would result in a rejected transfer.
9
Tax Withholding Percentage Format
For both Federal and State tax withholding in Section 4, if a user enters a specific rate, this check validates that the input is a whole number between 0 and 99. It ensures no decimals, dollar signs, or other characters are entered. This maintains data integrity and prevents calculation errors in the tax withholding system.
10
Medallion Signature Guarantee Requirement Flag
This logical check analyzes selections in Section 3 to determine if a Medallion Signature Guarantee is required. It flags the submission if the user establishes a '3rd Party EFT' or directs funds to a Fidelity account with no common owner. The system would then inform the user that the form cannot be processed without the physical guarantee, preventing submission of an incomplete package.
11
State and Federal Tax Withholding Consistency
Based on the account holder's state of residence, this check enforces state-specific tax rules. For example, for a resident of a state like Maine, if federal tax is withheld, the system verifies that state tax is also being withheld as required. This helps ensure compliance with state regulations and prevents potential tax penalties for the client.
12
Age and Reason for Distribution Consistency
This validation cross-references the 'Reason for Distribution' selected in Section 2 with the account owner's age on file. If a user under 59½ selects 'Normal' or a user over 59½ selects 'Early', a warning should be displayed. This helps prevent incorrect selections that could have significant tax penalty implications for the account owner.
13
Reinvestment Instruction Conflict
Before establishing the plan, the system must verify that the dividend and capital gain instructions for the account's holdings are set to 'pay in cash'. The form states that reinvestment is incompatible with this plan. This check prevents a logical conflict where the plan would have no earnings to withdraw, ensuring the plan functions as intended upon setup.
14
Signature and Date Completion
A fundamental completeness check that verifies the 'Owner Signature' and 'Date' fields in Section 5 are filled out before submission. The date field is also validated to ensure it is a real, correctly formatted (MM/DD/YYYY) date. A missing signature or date would render the authorization invalid, so the submission is blocked until they are provided.
Common Mistakes in Completing 1.940250.110
Users often misinterpret this form, expecting to set up a fixed-dollar amount withdrawal (e.g., $500/month). This plan only distributes variable earnings like dividends and capital gains, which can be inconsistent or even zero. This leads to confusion when the withdrawal amount is not what they expected. To avoid this, carefully read the form's purpose and use a different form if a fixed-payment plan is desired.
A critical error is assuming these withdrawals will satisfy an IRS Required Minimum Distribution (RMD). The form explicitly states this plan is not intended for RMDs, which have specific calculation rules and deadlines. Relying on this plan for RMDs can lead to significant tax penalties for failing to meet the requirement. Always set up a separate, dedicated RMD plan and consult a tax advisor.
This plan only works if earnings from securities are directed to the core account as cash, not reinvested. Many users forget to update their dividend and capital gain instructions, leaving them on 'Reinvest.' As a result, the automatic withdrawal plan is established but never triggers a payment because there are no cash earnings to withdraw. Before submitting, log in to your account to ensure all relevant positions are set to pay earnings in cash.
Users frequently overlook the need for a Medallion Signature Guarantee when directing funds to a third-party bank account or a Fidelity account with a different owner. They often mistake a notary stamp for a Medallion guarantee, which is incorrect and will cause the form to be rejected. This guarantee must be obtained from a qualified financial institution and is a strict requirement for these types of transfers, leading to significant processing delays if missed.
In Section 4, users often enter tax withholding percentages incorrectly, using decimals, dollar signs, or values outside the allowed range (e.g., '5.5%' or '>99%'). The form requires whole numbers only. This data entry error will cause the tax instruction to be rejected, and Fidelity will apply the default 10% withholding, which may not align with the user's financial plan. AI-powered tools like Instafill.ai can help prevent this by validating data formats as you type.
The form contains fine print stating that 'Mutual Fund Only' accounts (starting with '2' and two letters) can only use the 'Daily' withdrawal frequency. It's common for owners of these accounts to miss this note and select a weekly, monthly, or custom schedule. This incompatibility will cause the request to be rejected, forcing the user to correct and resubmit the form.
When selecting the 'Customized Schedule' option in Section 2, users sometimes check the box but forget to fill in the specific day(s) and select the month(s) for the withdrawal. An incomplete schedule provides no actionable instructions, rendering the request invalid. This oversight requires Fidelity to contact the user for clarification or reject the form, delaying the setup of the withdrawal plan.
When establishing a new Electronic Funds Transfer (EFT) to an external bank account, the form requires attaching a voided check, deposit slip, or bank statement. Forgetting to include this documentation is a frequent cause for rejection. Without this proof of account ownership, Fidelity cannot set up the EFT and will default to mailing a check, delaying access to funds electronically.
The form is explicitly for Traditional, Roth, SEP, SIMPLE, and Inherited IRAs. A common mistake is attempting to use it for other accounts like workplace savings (e.g., 401k, 403b), annuities, or Fidelity managed accounts. Submitting this form for an ineligible account will result in an automatic rejection, wasting time and effort. Always verify you are using the correct form for your specific account type.
It is one of the most common and basic mistakes, but many forms are submitted without the owner's signature or date in Section 5. An unsigned form is legally invalid and cannot be processed under any circumstances. This simple oversight brings the entire process to a halt until a properly signed version is received. Since this form is a non-fillable PDF, tools like Instafill.ai can convert it to a fillable version where you can apply a digital signature to avoid this issue.
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