Yes! You can use AI to fill out One-Time Withdrawal — Defined Contribution Retirement Plan
This form is used by account owners to request a one-time withdrawal from a Fidelity Self-Employed 401(k), Roth Self-Employed 401(k), Profit Sharing, or Money Purchase Plan. It is essential for initiating distributions for reasons such as retirement, disability, rollovers, or plan termination. 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.
Our AI automatically handles information lookup, data retrieval, formatting, and form filling.
It takes less than a minute to fill out 1.812111.122 using our AI form filling.
Securely upload your data. Information is encrypted in transit and deleted immediately after the form is filled out.
Form specifications
| Form name: | One-Time Withdrawal — Defined Contribution Retirement Plan |
| Number of pages: | 7 |
| Language: | English |
Instafill Demo: How to fill out PDF forms in seconds with AI
How to Fill Out 1.812111.122 Online for Free in 2026
Are you looking to fill out a 1.812111.122 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your 1.812111.122 form in just 37 seconds or less.
Follow these steps to fill out your 1.812111.122 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Fidelity 'One-Time Withdrawal — Defined Contribution Retirement Plan' form.
- 2 Use the AI assistant to accurately fill in your personal and plan information in Section 1, including your name, Fidelity account number, and plan type.
- 3 Select the reason for your withdrawal in Section 2, such as 'Normal' for age 59½, 'Disability', or 'Separated from service'.
- 4 Provide clear distribution instructions in Section 3, specifying the amount and whether to liquidate securities or transfer shares.
- 5 Choose your preferred distribution method in Section 4, such as a direct rollover to an IRA, an electronic funds transfer (EFT) to your bank, or a check by mail.
- 6 Complete the tax withholding section (Section 6), indicating your preferences for federal and state tax withholding based on your situation.
- 7 Carefully review all entered information, then provide the required signatures and dates in Section 7, including spousal consent and notarization if applicable, before submitting the form to Fidelity.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
Why Choose Instafill.ai for Your Fillable 1.812111.122 Form?
Speed
Complete your 1.812111.122 in as little as 37 seconds.
Up-to-Date
Always use the latest 2026 1.812111.122 form version.
Cost-effective
No need to hire expensive lawyers.
Accuracy
Our AI performs 10 compliance checks to ensure your form is error-free.
Security
Your personal information is protected with bank-level encryption.
Frequently Asked Questions About Form 1.812111.122
This form is used to request a one-time withdrawal from a Fidelity Self-Employed 401(k), Roth Self-Employed 401(k), Profit Sharing, or Money Purchase Plan. You can use it for an immediate distribution, a direct rollover to another retirement account, or a conversion to a Roth IRA.
No, this form is specifically for Defined Contribution Retirement Plans like a Self-Employed 401(k). It should NOT be used for any IRA, Inherited IRA, or nonretirement brokerage accounts.
Yes, you can use this form to take your RMD. Simply check the RMD box in Section 2 and specify your desired payment method in Section 4.
Spousal consent, signed in the presence of a notary, is required if you are married and taking a distribution from a Money Purchase Plan. It may also be required for certain Profit Sharing plans, unless you are taking the distribution as a joint and survivor annuity.
A Medallion signature guarantee is a special stamp that verifies your identity and signature, which you can get from most banks or financial institutions. It is required for transactions over $100,000, bank wire requests, or if you're sending the payment to an address other than your address of record.
If your distribution is eligible for a rollover but you choose to receive it directly as cash, a mandatory 20% federal tax withholding applies. For other distributions not subject to this rule, like an RMD, the default withholding is 10%, but you can elect a different rate in Section 6.
A direct rollover sends the money straight to another eligible retirement account, which is a non-taxable event. If you receive a check, it is considered a taxable distribution and Fidelity is required to withhold 20% for federal taxes.
No, you must complete a separate "One-Time Withdrawal" form for each account if you are making withdrawals from both a money purchase plan and a profit sharing plan.
You can send the entire completed and signed form via regular mail to Fidelity's P.O. Box in Cincinnati, OH, or via overnight mail to their street address in Covington, KY. The specific addresses are listed on the last page of the form.
You should only complete Section 5 if you are taking a distribution from a Roth Self-Employed 401(k) and have previously completed an In-Plan Roth Rollover (IRR) into that account. If this does not apply to you, you should leave this section blank to ensure accurate tax reporting.
Once Fidelity receives your form in good order, trades to sell securities may take up to five business days to process. The timing of the overall distribution will depend on your specific instructions and chosen payment method.
Yes, AI-powered services like Instafill.ai can help you fill out this form quickly and accurately. These tools use AI to identify and auto-fill form fields, which can save you time and reduce the chance of errors.
To use Instafill.ai, you would upload the PDF form to their platform. The AI will make the form fillable online and help you complete the fields with your information, which you can then download, print, and sign.
If you have a non-fillable or "flat" PDF, you can use a service like Instafill.ai to help. Their technology can convert static PDFs into interactive, fillable forms that you can easily complete on your computer.
Compliance 1.812111.122
Validation Checks by Instafill.ai
1
Validates Spousal Consent for Money Purchase Plans
This check ensures that if the 'Money Purchase' plan type is selected in Section 1 and the participant's marital status is 'Married' in Section 7, then the Spousal Consent in Section 7c is fully completed, including the spouse's signature, date, and the notary block. This is critical because federal law requires spousal consent for certain distribution types from pension plans to protect the spouse's right to survivor benefits. Failure to provide the required consent will result in the rejection of the form.
2
Ensures RMD is Not Rolled Over
This validation verifies that if the 'Required Minimum Distribution (RMD)' box is checked in Section 2, the distribution method selected in Section 4 is not a direct rollover or conversion (options 4b or 4c). IRS rules prohibit rolling over an RMD amount. This check prevents an invalid transaction that would lead to tax complications and penalties, ensuring the RMD is properly distributed as a taxable payment.
3
Verifies Age for 'Normal' Distribution
This check cross-references the 'Date of Birth' in Section 1 with the 'Request Reason' in Section 2. If the 'Normal' distribution reason is selected, the system confirms that the account owner's age is 59½ or older. This is important to prevent early withdrawal penalties and ensure the distribution is coded correctly for tax purposes. If the age does not meet the requirement, the request will be flagged for correction as it does not align with the selected reason.
4
Confirms Medallion Signature Guarantee for Bank Wires
This validation confirms that if 'Bank wire' (Section 4e) is chosen as a distribution method, a Medallion signature guarantee is present in Section 7b. This is a high-level security measure to protect against fraudulent transfers of large sums of money. The absence of a required Medallion guarantee will halt the processing of the request until a properly guaranteed form is submitted.
5
Enforces Mutually Exclusive Distribution Instructions
In Section 3, the form requires the user to select only one primary distribution instruction (e.g., 'ENTIRE VALUE of your account in cash' or 'ALL core cash'). This check ensures that only one of these primary checkboxes is selected. Selecting multiple conflicting instructions makes the user's intent ambiguous and would lead to the form being rejected as not in good order.
6
Validates In-Kind Distribution Destination
This check ensures that if the user elects to distribute shares 'in kind' in Section 3, they must also select a distribution method in Section 4 that directs the assets to a Fidelity account (options 4a or 4b). Distributing shares directly to an external institution or as a check is not supported by this option. This validation prevents an unprocessable request and ensures the assets are moved to a valid, eligible destination account.
7
Restricts Rollover for Birth or Adoption Distributions
This validation checks that if 'Qualified birth or adoption' is selected as the reason in Section 2, the distribution method in Section 4 is not a direct rollover/conversion (options 4b or 4c). The form explicitly states this restriction based on IRS rules for this specific distribution type. Enforcing this prevents an invalid transaction and ensures compliance with tax regulations.
8
Validates Social Security or Taxpayer ID Number Format
This check verifies that the Social Security or Taxpayer ID Number provided in Section 1 is a 9-digit number and follows the expected format (e.g., XXX-XX-XXXX or XXXXXXXXX). This number is essential for correct tax reporting (Form 1099-R) and account owner verification. An invalid or missing number will prevent the processing of the withdrawal and may lead to backup withholding by the IRS.
9
Ensures Tax Withholding Section is Skipped for Rollovers
This validation confirms that if the only distribution method selected in Section 4 is a direct rollover or conversion (options 4b or 4c), then the Tax Withholding section (Section 6) is left blank. Mandatory tax withholding does not apply to direct rollovers, as the assets remain in a tax-deferred status. This check prevents incorrect withholding and ensures the full eligible amount is rolled over as intended.
10
Verifies Completeness of Non-Fidelity Rollover Information
This check ensures that if a direct rollover to a non-Fidelity account (Section 4c) is selected, all required fields for the receiving institution are completed. This includes the Trustee/Custodian Name, Account Number, and the full address. Missing information would make it impossible for Fidelity to correctly transfer the funds, leading to delays or rejection of the request.
11
Restricts Domestic Abuse Distribution for Money Purchase Plans
This validation cross-references the request reason in Section 2 with the plan type in Section 1. If the 'Domestic abuse' reason is selected, the system verifies that the plan type is not 'Money Purchase'. The form explicitly states this distribution reason is not available for Money Purchase Plans, and this check enforces that plan-specific rule to prevent an invalid request.
12
Validates Completeness of Required Signatures
This check verifies that both the Plan Administrator/Executor signature and date (Section 7a) and the Plan Participant/Inherited Account Owner signature and date (Section 7b) are present. These signatures provide the legal authorization for Fidelity to execute the withdrawal instructions. A missing signature or date renders the form invalid and will cause the entire request to be rejected until properly signed.
13
Ensures IRR Information is Provided when Certified
This validation checks that if the certification box in Section 5 is checked, indicating a distribution from a Roth Self-Employed 401(k) with a prior In-plan Roth Rollover (IRR), then the 'Taxable Amount of Distribution', 'Total Roth Contribution', and 'Amount Allocable to an IRR Within 5 Years' fields are all completed. This information is critical for accurate tax reporting on Form 1099-R. Failure to provide these amounts when required will result in inaccurate tax forms and potential tax consequences for the account owner.
14
Validates Withholding Percentage is a Whole Number
This check ensures that if a specific percentage is entered for federal or state tax withholding in Section 6, the value is a whole number without decimals or other characters. The form explicitly requires whole numbers for these fields. This validation maintains data integrity and prevents processing errors in the tax withholding calculation system.
Common Mistakes in Completing 1.812111.122
Users often overlook the spousal consent requirement in Section 7c, especially when withdrawing from a Money Purchase Plan or certain Profit Sharing Plans. They may not realize their spouse must sign the form in the physical presence of a notary public. Failure to provide this notarized consent when required will cause the form to be rejected, leading to significant processing delays.
The form requires a Medallion signature guarantee for high-risk transactions like bank wires, payments to an alternate address, or withdrawals over $100,000. Many people mistakenly obtain a standard notary stamp, which is not a valid substitute. This error results in the request being deemed 'not in good order' and rejected, forcing the applicant to restart the process after obtaining the correct guarantee from a financial institution.
In Section 3, applicants are required to check only one box to specify how assets should be distributed, but they sometimes select multiple conflicting options, such as 'ENTIRE VALUE' and also 'ONLY the following eligible securities'. This ambiguity makes it impossible for Fidelity to process the request, leading to rejection and delays. Using an AI-powered tool like Instafill.ai can help prevent this by guiding the user through the options and ensuring only valid, non-conflicting selections are made.
Applicants required to take an RMD often make mistakes, such as attempting to roll over the RMD amount, which is prohibited by the IRS. Another common error is checking the RMD box in Section 2 but only selecting a rollover destination in Section 4, without specifying a separate, direct payment method for the RMD itself. These errors can lead to rejection of the rollover and potential tax penalties for failing to properly take the RMD.
The tax withholding rules in Section 6 are complex and frequently misunderstood. A common mistake is attempting to elect 0% withholding on a distribution that is subject to a mandatory 20% federal withholding, such as a cash payment eligible for rollover. This invalidates the withholding instruction and causes the form to be processed with the default rate, which can result in an unexpected tax liability and underpayment penalties.
Applicants often select the EFT payment option in Section 4d and provide their bank details, assuming they can set up the transfer with this form. However, the form clearly states that EFT instructions must already be on file for the account. When this mistake is made, the request defaults to a paper check being mailed to the address of record, which is much slower and may not be the applicant's desired outcome.
This form requires signatures from both the Plan Administrator (Section 7a) and the Plan Participant (Section 7b). In a self-employed plan where the same individual holds both roles, they often sign in only one spot, leaving the form incomplete. An unsigned or partially signed form will be rejected immediately, halting the entire withdrawal process until a correctly completed form is resubmitted.
The form's title and instructions specify it is for Defined Contribution Retirement Plans like a Self-Employed 401(k), but people frequently attempt to use it for IRAs, Inherited IRAs, or non-retirement accounts. This fundamental error occurs when the applicant fails to read the explicit warnings on the first page. The request is always rejected, wasting significant time as the user must then locate and fill out the correct form for their specific account.
When filling out Section 4c for a direct rollover to another institution, applicants often omit critical details such as the full, correct name of the trustee/custodian or the 'For Benefit Of' (FBO) information. This incomplete data can cause the receiving institution to reject the rollover check, leading to delays and potential complications with the 60-day rollover window. AI form-fillers like Instafill.ai can help by saving and accurately populating this type of detailed information, reducing the risk of data entry errors.
An applicant may wish to transfer stock shares directly to another brokerage, selecting the 'in kind' option in Section 3. However, they miss the fine print stating that in-kind distributions via this form must go to another Fidelity account. This invalid request will be rejected, causing delays and confusion, as transferring shares to an outside firm typically requires initiating a transfer from the receiving institution, not a withdrawal from Fidelity.
Saved over 80 hours a year
“I was never sure if my IRS forms like W-9 were filled correctly. Now, I can complete the forms accurately without any external help.”
Kevin Martin Green
Your data stays secure with advanced protection from Instafill and our subprocessors
Robust compliance program
Transparent business model
You’re not the product. You always know where your data is and what it is processed for.
ISO 27001, HIPAA, and GDPR
Our subprocesses adhere to multiple compliance standards, including but not limited to ISO 27001, HIPAA, and GDPR.
Security & privacy by design
We consider security and privacy from the initial design phase of any new service or functionality. It’s not an afterthought, it’s built-in, including support for two-factor authentication (2FA) to further protect your account.
Fill out 1.812111.122 with Instafill.ai
Worried about filling PDFs wrong? Instafill securely fills one-time-withdrawal-defined-contribution-retirement-plan-1 forms, ensuring each field is accurate.
