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Merrill Inherited IRA Transfer Instruction Form, page 1
Complex · 68/100Form Complexity Index

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What this form asks for

The AI fills all of it, from your answers or your documents.

This form, provided by Merrill, is a legal document for beneficiaries to direct the transfer of assets from a deceased individual's IRA, Roth IRA, SEP, or SRA account into a newly established Inherited IRA. It requires detailed information about the decedent, the beneficiary, and the specific assets to be moved, and must be submitted with a copy of the death certificate. 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.
Fillable fields323
Pages72
Form Complexity IndexComplex, 68/100

The AI checks your answers before you download

13 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Decedent Information Completeness

This check verifies that both the 'Decedent's Name' and 'Decedent's Merrill Retirement Account Number' fields in Part 1 are filled. These fields are critical for identifying the source account from which assets are being transferred. If this information is missing or incomplete, the transfer cannot be initiated as the system cannot locate the correct decedent's account, leading to processing delays or rejection of the form.

Beneficiary Taxpayer ID Presence and Format

Validates that either a 'Social Security Number' or a 'Tax Id Number' is provided for the beneficiary in Part 2, but not both. The provided number must also conform to the standard format (e.g., 9 digits for an SSN). This information is legally required for tax reporting purposes on the inherited account. Failure to provide a valid ID will result in the form being rejected until the information is corrected.

Beneficiary Date of Birth Validity

Ensures the 'Date of Birth' in Part 2 is a complete and valid date in MM/DD/YYYY format and that the date is in the past. This is important for identity verification and for determining rules related to required minimum distributions (RMDs) from the inherited IRA. An invalid or future date will cause a validation error and prevent form submission.

Designated Percentage Range

This check confirms that the 'Percentage of Decedent's Account' entered in Part 2 is a numerical value strictly between 1 and 100, inclusive. This percentage dictates the portion of the decedent's assets the beneficiary is entitled to claim. An entry outside this range (e.g., 0 or 101) is illogical and would cause the form to be rejected for correction.

Entire Account Transfer Consistency Check

This validation enforces the rule that the 'The entire account' checkbox in Part 3 can only be selected if the beneficiary's 'Percentage of Decedent's Account' in Part 2 is exactly 100%. This prevents a partial beneficiary from attempting to claim the entire account. If a beneficiary with less than 100% designation selects this option, the form will be flagged for review and correction.

Partial Transfer Specification

If the 'Part of the Account' checkbox is selected in Part 3, this validation ensures that one of the three sub-options ('Cash only', 'Securities in-kind only', or 'Cash AND Securities in-kind') is also selected. This is necessary to provide clear instructions on how the partial transfer should be executed. A failure to specify the type of partial transfer leaves the instructions ambiguous and will halt processing.

And 7 more checks
  • Conditional Cash Amount Requirement
  • Conditional Securities Data Requirement
  • Paired Security and Share Information
  • Exclusive Transfer Destination Selection
  • Conditional Destination Account Number
  • Signature and Date Completeness
  • Signature Date Validity

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How to Fill Out Code 2351 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the Merrill Inherited IRA Transfer Instruction Form.
  2. Use the AI assistant to provide the decedent's account information in Part 1, including their name and Merrill retirement account number.
  3. Enter your personal beneficiary information in Part 2, such as your name, Social Security Number, address, and date of birth.
  4. In Part 3, specify which assets you are transferring, whether it's the entire account, a specific cash amount, or particular securities.
  5. Complete Part 4 with the transfer instructions, indicating the destination Inherited IRA account number at Merrill or another financial institution.
  6. Carefully review all the information populated by the AI for accuracy, then electronically sign and date the acknowledgment section.
  7. Download the completed form and submit it, along with a copy of the death certificate, to your financial advisor or the appropriate Merrill center as instructed.

Common Mistakes in Completing Code 2351

The ones the AI is built to catch.

Using the Incorrect Form for the Intended Action
This form is exclusively for transferring assets into an Inherited IRA. Beneficiaries, especially spouses, often mistakenly use it when they intend to perform a spousal rollover or take a lump-sum distribution, which requires a different form (10187 BENE). This error leads to immediate rejection and significant delays in accessing the funds. Always verify that the form's purpose matches your specific financial election before filling it out.
Forgetting to Submit the Death Certificate
The instructions clearly state that a copy of the decedent's death certificate must be provided to the financial advisor, but it is a commonly forgotten attachment. This is a non-negotiable requirement for processing any death-related transfer. Forgetting this document will halt the entire process until it is received, delaying the transfer of assets indefinitely.
Entering an Inaccurate Decedent Account Number
Mistyping or transposing digits in the decedent's Merrill Retirement Account Number is a frequent data entry error. Because this number is the primary identifier for the source account, even a single wrong digit will result in a failure to locate the assets. This mistake causes processing to stop until the beneficiary can be contacted to provide the correct number, leading to unnecessary delays.
Stating an Incorrect Beneficiary Percentage
In Part 2, beneficiaries may guess or enter the percentage they wish to receive, rather than the specific percentage designated by the decedent on the original account documents. The firm will verify this against their records, and any mismatch will cause the form to be rejected. You must enter the exact percentage you were legally designated to inherit to ensure the form is processed correctly.
Providing Contradictory Asset Transfer Instructions
Beneficiaries sometimes check multiple conflicting boxes in Part 3, such as selecting both 'Cash only' and 'The entire account'. This creates ambiguity and makes it impossible for the firm to know the user's true intent, forcing them to reject the form and request clarification. To avoid this, carefully select only one option that accurately reflects your transfer choice.
Incorrectly Selecting 'The Entire Account' Option
The option to transfer 'The entire account' is strictly for beneficiaries who are designated to receive 100% of the assets. A beneficiary with a partial share (e.g., 50%) who selects this option will have their form rejected, as it creates a conflict with other potential beneficiaries. If you are not the sole beneficiary, you must specify the partial assets (cash or securities) to be transferred.
Missing Destination Account Information
In Part 4, a beneficiary must provide the account number for the new Inherited IRA where the assets will be transferred. It is a common mistake to leave this section blank, assuming the firm will automatically create a new account or find an existing one. Failure to provide a valid destination account number will prevent the transfer from being executed, as there is no designated endpoint for the assets.
Omitting Required External Transfer Paperwork
When transferring assets to another custodian (not Merrill), the form requires that transfer instructions from the receiving firm be included. Beneficiaries often overlook this fine print, submitting only the Merrill form. This omission results in an incomplete request, as Merrill cannot initiate an external transfer without the proper authorization and instructions from the other institution.
Submitting an Unsigned or Undated Form
Forgetting to sign and date the form in the final section is one of the most common and easily avoidable mistakes. An unsigned form is legally invalid and cannot be acted upon, leading to an automatic rejection. Always double-check for a signature and a current date before submitting to prevent your request from being immediately returned.
Vague or Incomplete Security Descriptions
When choosing to transfer specific securities in Part 3, beneficiaries may list ambiguous names like 'ABC stock' without a ticker symbol or CUSIP number. This lack of detail can lead to the wrong security being transferred or cause delays while the firm seeks clarification. To prevent errors, provide the full, unambiguous name and ticker symbol for each security. AI-powered tools like Instafill.ai can help auto-complete and validate this information.
Providing Both SSN and Tax ID Number
The beneficiary information section in Part 2 asks for a Social Security Number 'Or' a Tax ID Number, but not both. Some applicants fill in both fields out of an abundance of caution, which can create confusion in the system or for the processor. You should only provide one of these identifiers, depending on whether you are an individual or an entity (like a trust).
Failing to Read the Acknowledgement Before Signing
Many people sign the acknowledgement section without reading the text, which states they are responsible for tax implications and indemnifies Merrill from claims. This is a significant oversight, as the beneficiary is legally agreeing to important terms they may not understand. To avoid future financial or legal surprises, always read and understand any legal attestations before signing. If the form is a non-fillable PDF, a tool like Instafill.ai can convert it to a fillable version, making it easier to review and complete each section carefully.

Frequently Asked Questions About Code 2351

 

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It is encrypted in transit and at rest, and it is never used to train AI.
How complex is Code 2351 to fill out?
Code 2351 has a Form Complexity Index of 68 out of 100, in the complex tier: 323 fillable fields across 72 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Inherited IRA Transfer Instruction Form?
This form is used by a beneficiary to transfer assets from a deceased person's Merrill retirement account, such as an IRA or Roth IRA, into a new Inherited IRA.
Who needs to fill out this form?
Any designated beneficiary of an eligible Merrill retirement account who wishes to move the assets into an Inherited IRA must complete this form. This applies whether you are a spouse or non-spouse beneficiary choosing this specific option.
What documents do I need to submit with this form?
You must provide a copy of the decedent's death certificate to your financial advisor. If you are transferring assets to an external custodian, you must also include transfer instructions from that firm.
I am the decedent's spouse and want to roll the assets into my own IRA. Should I use this form?
No, this form is only for creating an Inherited IRA. For a spousal rollover or a lump-sum distribution, you should complete form 10187 BENE instead.
How do I specify which assets to transfer in Part 3?
In Part 3, you can choose to transfer a specific cash amount, specific securities 'in-kind', or a combination of both. If you are the sole (100%) beneficiary, you also have the option to transfer the entire account.
Can I use this form to transfer assets to an IRA at a different company?
Yes, you can transfer the assets to an inherited IRA at another custodian. You must provide the new account number in Part 4 and attach the required transfer instructions from the receiving firm.
Where do I send the completed Inherited IRA Transfer Instruction Form?
Send the completed form to your financial advisor or the Merrill Advisory Center. If you are a Merrill Edge® Self-Directed investing client, return it to the Investment Center.
Can I add my own money to the new Inherited IRA?
No, you cannot make personal contributions to an Inherited IRA. The account is only permitted to hold the assets transferred from the decedent's original account.
Am I responsible for the tax implications of this transfer?
Yes, as the beneficiary, you are responsible for understanding and verifying all tax implications of the transfer. It is strongly recommended to consult with a qualified tax professional.
I am one of several beneficiaries. How do I fill out the form?
You must indicate the specific percentage of the account you were designated to receive in Part 2. Note that the option to transfer 'The entire account' in Part 3 is only available if you are the 100% beneficiary.
Can an AI tool help me fill out this form?
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help reduce errors. This is especially helpful for complex forms with repetitive information.
How can I fill out this Merrill form online?
You can use a service like Instafill.ai to complete the form digitally. Simply upload the PDF to their platform, and the AI will help you fill in the required fields before you print and sign it.
What should I do if my PDF copy of this form is not fillable?
If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai. It can convert the document into an interactive, fillable form online, making it easy to complete on your computer.
What does it mean to transfer 'securities in-kind'?
An in-kind transfer means moving the investments, like stocks or bonds, directly to your new Inherited IRA without selling them for cash first. This allows the securities to remain invested during the transfer.
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