Yes! You can use AI to fill out Principal Rollover Form
A Principal Rollover Form is a document that authorizes Principal Financial Services to move a participant's retirement savings from their current plan to another qualified retirement account. Completing this form is a critical step for consolidating retirement funds, avoiding early withdrawal penalties, and maintaining the tax-deferred status of your savings. 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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It takes less than a minute to fill out PG4906-02 using our AI form filling.
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Form specifications
| Form name: | Principal Rollover Form |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out PG4906-02 Online for Free in 2026
Are you looking to fill out a PG4906-02 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your PG4906-02 form in just 37 seconds or less.
Follow these steps to fill out your PG4906-02 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Principal Rollover Form.
- 2 Provide your personal identifying information, including your full name, address, and Social Security Number.
- 3 Enter the details of your Principal account from which the funds will be transferred.
- 4 Specify the information for the receiving financial institution, including the account number and type of account (e.g., IRA, 401(k)).
- 5 Indicate the amount to be rolled over (full or partial balance) and your instructions for federal and state tax withholding.
- 6 Review all the information auto-filled by the AI for accuracy, then electronically sign and date the form before submitting it to Principal.
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 PG4906-02
This form is used to request a rollover of your retirement savings from your Principal plan to another eligible retirement account, such as an IRA or a new employer's plan.
You should use this form if you are a plan participant who is eligible for a distribution and wishes to move your retirement funds from your Principal account to another qualified retirement plan or IRA.
The form is available in an electronic format on the Principal Participant Website. You can also request a paper copy at no additional cost by calling 1-800-547-7754.
Yes, for assistance with completing the rollover form, you can contact a rollover specialist at 855-808-0698.
You will likely need your personal information, your Principal account details, and information about the receiving institution, including their name, address, and your new account number.
The primary method is to complete and submit the form electronically through the Principal Participant Website. If using a paper copy, follow the submission instructions included with the form.
A direct rollover is typically not a taxable event, but rules can be complex. As Principal does not provide tax advice, you should consult with a qualified tax professional about your specific situation.
Processing times can vary depending on the complexity of the request and the institutions involved. You can check the status of your request on the Participant Website or by calling customer service.
For general questions, you can call 1-800-547-7754 between 7 a.m. and 9 p.m. Central Time, Monday through Friday.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help reduce errors when completing your paperwork.
Simply upload the rollover form PDF to the Instafill.ai platform. The AI will make the document interactive, allowing you to fill out the fields online and then securely save or print the completed form.
If you have a non-fillable or 'flat' PDF, you can use a service like Instafill.ai. It can convert the static document into an interactive, fillable form that you can complete on your computer.
Compliance PG4906-02
Validation Checks by Instafill.ai
1
Participant SSN/TIN Format and Validity
This check ensures the Social Security Number (SSN) or Taxpayer Identification Number (TIN) is entered in a valid format, such as XXX-XX-XXXX or XXXXXXXXX. It is critical for tax reporting purposes (e.g., Form 1099-R) and for uniquely identifying the participant. If the SSN/TIN is invalid or missing, the rollover cannot be processed and will be rejected by both the relinquishing and receiving institutions.
2
Rollover Amount Selection Logic
This validation verifies that the participant has made a clear choice between rolling over the 'Full Balance' or a 'Specific Dollar Amount'. The system must ensure that one and only one option is selected. If a specific amount is entered, it must be a positive numerical value and logically cannot exceed the participant's total vested account balance.
3
Receiving Institution Information Completeness
This check confirms that all required information for the receiving financial institution, including its name, mailing address, and the new account number, is provided. This information is absolutely essential for a direct rollover to ensure funds are sent to the correct destination. Missing or incomplete information will result in processing delays or the rejection of the rollover request.
4
Participant Date of Birth Validation
This validation ensures the participant's date of birth is a valid calendar date and indicates the person is of a reasonable age (e.g., over 18 and not born in the future). The date of birth is a key piece of personally identifiable information (PII) used for identity verification and to determine eligibility for certain withdrawal or rollover options. An invalid date will cause the form to fail identity checks.
5
Signature and Date Presence
This check verifies that the participant's signature and the date of signing are both present on the form. A signature provides legal authorization for the transaction, and the date establishes when the authorization was given. A missing signature or date renders the form invalid and legally non-binding, preventing the financial institution from acting on the request.
6
Direct vs. Indirect Rollover Consistency
This validation checks for logical consistency based on the type of rollover selected. If an 'Indirect Rollover' (check payable to the participant) is chosen, the system must verify that the tax withholding section has been completed, as mandatory 20% federal tax withholding typically applies. This prevents non-compliance with IRS regulations and unexpected tax consequences for the participant.
7
Mailing Address Completeness and Format
This check ensures the participant's full mailing address (street, city, state, ZIP code) is complete and the ZIP code is in a valid format. A correct address is crucial for mailing physical checks for indirect rollovers, tax forms, and other important correspondence. An incomplete or invalid address can lead to lost documents or funds.
8
Spousal Consent Requirement Check
For plans subject to ERISA rules (like most 401(k)s), this validation determines if spousal consent is required for the distribution. If required, it then checks that the spousal consent section is fully completed, signed by the spouse, and properly notarized or witnessed as required. Failure to obtain necessary spousal consent can have serious legal and financial repercussions, making this a critical compliance step.
9
Phone Number Format
This validation ensures that the participant's contact phone number is in a standard, valid format (e.g., 10 digits, possibly with parentheses or hyphens). A valid phone number is essential for the plan administrator to contact the participant quickly to resolve any issues or questions about the rollover request. An invalid number can delay the process if clarification is needed.
10
Date of Signature Logical Validity
This check verifies that the signature date is not in the future and is not excessively old (e.g., older than 90 days). Financial institutions require a recent date to confirm the participant's current intent to perform the transaction. A future-dated or stale-dated form will be rejected as the authorization is considered invalid.
11
Tax Withholding Percentage Range
If the participant elects to have additional state or federal taxes withheld, this validation ensures the percentage entered is a valid number within an acceptable range (e.g., 0 to 100). This prevents data entry errors and ensures the participant's tax withholding instructions are clear and executable. An invalid percentage would require clarification and delay processing.
12
Account Holder Name Consistency
This validation cross-references the participant's name on the form with the name registered on the source and destination accounts. Financial institutions will reject transfers where the names do not match exactly to comply with anti-money laundering (AML) regulations and prevent fraud. This check helps catch discrepancies before the request is submitted.
Common Mistakes in Completing PG4906-02
This occurs when the participant enters the wrong account number or misspells the name of the new financial institution. This is a critical error, as it can cause the rollover check to be rejected, lost, or even deposited into the wrong account. To avoid this, double-check the new account number and the exact legal name of the receiving institution, often found on an account statement or by contacting the new firm directly.
For a direct rollover, the check must be made payable to the new institution 'for the benefit of' (FBO) the participant (e.g., 'Principal FBO Jane Doe'). Many people mistakenly write their own name as the payee, which converts the transaction into an indirect rollover. This immediately triggers a mandatory 20% tax withholding and requires the participant to deposit the funds within 60 days to avoid further taxes and penalties. Always follow the form's instructions for payee information precisely.
Participants often forget their old 401(k) account number or the exact name of their former employer's plan. Providing vague information like 'My old job's 401k' is insufficient for the administrator to locate the funds. This omission or error will cause the form to be rejected, forcing the participant to find the correct information and restart the process, causing significant delays.
Many retirement plans contain both pre-tax and Roth (after-tax) funds, which must be handled separately during a rollover. A common mistake is failing to specify which funds to move or directing them to the wrong type of receiving account (e.g., pre-tax funds to a Roth IRA). This can create an unintended taxable conversion event. It is crucial to identify your fund types and ensure they are rolled into corresponding accounts (pre-tax to Traditional IRA, Roth to Roth IRA).
A simple forgotten signature is a frequent reason for a form to be immediately rejected. Furthermore, many plans require a spousal consent signature, and transactions over a certain amount may require a Medallion Signature Guarantee from a financial institution. Overlooking these requirements will halt the rollover process until a correctly executed form is submitted.
Participants may not understand the significant difference between a direct rollover (funds move between institutions) and an indirect one (participant receives a check). Accidentally selecting an indirect rollover results in a mandatory 20% tax withholding and starts a 60-day clock to deposit the funds into a new retirement account. Failing to meet this deadline results in the distribution being treated as a taxable withdrawal, with potential early withdrawal penalties.
Financial institutions update their forms periodically to comply with new regulations, like the version '06/2021' noted in the document. Using an old form downloaded years ago or found through a search engine can lead to rejection because it may lack required fields or disclosures. To prevent this, always obtain the form directly from the official Participant Website as instructed.
A direct, trustee-to-trustee rollover is a non-taxable event, and therefore, tax should not be withheld. However, confusing form fields can lead individuals to accidentally request federal or state tax withholding. This unnecessarily reduces the amount rolled over to the new account and creates tax complications, often requiring the individual to wait until tax season to reclaim the withheld money from the IRS.
When using a paper form, which the notice states is an option, poor handwriting can make critical information like names, addresses, and account numbers unreadable. A single misread digit can cause the entire transaction to fail or, worse, be sent to the wrong account. To avoid this, print clearly in capital letters or use the electronic version. AI-powered tools like Instafill.ai can also convert flat, non-fillable PDFs into easy-to-complete digital forms, eliminating handwriting issues.
When performing a partial rollover, entering a typo in the dollar amount or leaving the field ambiguous can cause issues. For example, writing 'fifty percent' instead of a specific dollar figure may not be accepted. This can lead to the form being rejected or the plan administrator defaulting to a full rollover, which may not align with the participant's financial strategy. Always specify a precise dollar amount for partial rollovers.
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