Yes! You can use AI to fill out Retirement Transfer Between Existing Vanguard Accounts
Vanguard Form RTEVA is a financial document used by account holders to transfer retirement assets between two of their existing Vanguard accounts. It facilitates transactions such as distributions, direct rollovers, and indirect rollovers, ensuring proper handling of retirement funds according to IRS regulations. 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: | Retirement Transfer Between Existing Vanguard Accounts |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out Form RTEVA Online for Free in 2026
Are you looking to fill out a FORM RTEVA form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FORM RTEVA form in just 37 seconds or less.
Follow these steps to fill out your FORM RTEVA form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Vanguard Form RTEVA or select it from the template library.
- 2 Use the AI assistant to fill in Section 1 with the account owner's personal information, such as name and the last four digits of their Social Security number.
- 3 In Section 2, provide the originating and receiving Vanguard account numbers and select the type of money movement (e.g., direct rollover, indirect rollover).
- 4 Specify the holdings to be moved in Section 2B, indicating whether to move all holdings or only specific funds by name, amount, or percentage.
- 5 If performing an indirect rollover or using specific identification (SpecID), complete the additional details required in Section 2C.
- 6 Carefully review all the auto-filled information for accuracy, then proceed to Section 3 to provide the necessary digital signatures and authorizations to complete the request.
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 Form RTEVA
This form, also known as Form RTEVA, is used to move assets between two existing Vanguard accounts. It facilitates transactions like distributions, direct rollovers, or indirect rollovers of retirement funds.
You should use this form if you are a Vanguard account owner who wants to transfer retirement assets from one of your existing Vanguard accounts to another. It is not for making new contributions or removing excess contributions.
You will need your personal details, the full account numbers for both the sending and receiving Vanguard accounts, and information about the specific holdings you want to move if you are not transferring the entire account.
Moving holdings 'in kind' means your investments are transferred directly to the new account without being sold for cash first. The shares you hold in the original account will be the same shares that arrive in the receiving account.
In Section 2, Part B, you can either check the box to 'Move all of the holdings in kind' or select 'Move only some of the holdings' and list the specific funds or stocks by name, ticker, or CUSIP, along with the amount to move.
You must complete Section 2, Part C if you are performing an on-time indirect rollover from a nonretirement account or if you want to use specific identification (SpecID) to designate which lots of shares to move.
A Medallion signature guarantee is required if the owners on the receiving account are different from the owners on the originating account. You may be able to use Vanguard Voice Verification as an alternative if you are enrolled in the service.
If you are moving pre-tax money into a Roth IRA, which is a taxable conversion, you must complete and sign the 'Roth IRA owner signature' section at the bottom of page 5 to acknowledge the transaction is final.
You can mail the completed and signed form to the standard or overnight mail addresses provided in the 'Mailing information' section on page 5 of the form.
No, this form is only for moving assets between two existing Vanguard accounts. The receiving account must already be established before you submit 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 forms with multiple information fields.
You can use a service like Instafill.ai to fill out this form online. Simply upload the PDF, and the tool will make it interactive, allowing you to type your information directly into the fields before printing for signature.
If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai to convert it into an interactive, fillable form. This allows you to easily type your information instead of printing and filling it out by hand.
Compliance Form RTEVA
Validation Checks by Instafill.ai
1
Originating and Receiving Account Number Validation
This check verifies that both the originating and receiving account numbers provided in Section 2 are valid 8 or 11-digit Vanguard account numbers. It confirms that both accounts exist within the system. This is critical to ensure assets are moved from and to the correct, active accounts, preventing processing failures or misdirected funds.
2
Ensures Originating and Receiving Accounts are Different
This validation confirms that the originating account number is not identical to the receiving account number. A transfer must occur between two distinct accounts. If the numbers are the same, the transaction is logically invalid and would be rejected to prevent an unnecessary and failed processing loop.
3
Account Owner Information Verification
This check cross-references the account owner's name and the last four digits of their Social Security number from Section 1 against the records for the originating account number. This is a fundamental security measure to confirm the identity of the individual authorizing the transfer and prevent unauthorized access or movement of assets. A mismatch will halt the transaction pending identity verification.
4
Exclusive Money Movement Type Selection
Validates that exactly one checkbox for the 'Type of money movement' in Section 2, Part A has been selected. The form allows for several mutually exclusive transaction types, and selecting none or more than one creates ambiguity. This check ensures the system receives a clear, actionable instruction for how to process the transfer.
5
Conditional Holding Specification for Partial Moves
This rule ensures that if the user selects 'Move only some of the holdings in kind' in Section 2, Part B, they must specify at least one holding to be moved. Conversely, if 'Move all of the holdings' is selected, the specific holdings list should be empty. This prevents incomplete instructions and ensures the user's intent is captured accurately.
6
Holding Amount Exclusivity Check
For each holding listed in Section 2, Part B, this validation ensures that only one of the three possible fields—'Number of shares,' 'Amount ($),' or 'Percentage (%)'—is filled out. Providing multiple values for a single holding is contradictory and makes the instruction impossible to execute. This check enforces clarity and prevents processing errors.
7
Sufficient Funds and Shares Verification
This check confirms that the 'Number of shares' or 'Amount ($)' specified for each holding in Section 2, Part B does not exceed the available balance for that specific holding in the originating account. This is essential to prevent overdraft situations and transaction failures. If the requested amount is unavailable, the transaction will be rejected.
8
Completeness of Required Signatures
Verifies that all required signatures for the originating account are present in Section 3. If the account is a joint or trust account, all listed owners or trustees must sign the form. Missing signatures invalidate the authorization, and the transaction cannot proceed until all required parties have provided their consent.
9
Date Format and Validity
This check ensures that all date fields on the form, such as 'Today’s date' and 'Date acquired', are provided in the correct 'MM-DD-YYYY' format and represent a valid calendar date. The 'Date acquired' must not be a future date. This maintains data integrity and ensures accurate record-keeping for tax and compliance purposes.
10
Conditional Roth IRA Conversion Signature
If the transaction involves a conversion of pre-tax money into a Roth IRA, this validation confirms that the 'Roth IRA owner signature' section on page 5 is fully completed. This includes the receiving Roth IRA account number, the owner's signature, and the date. This signature is a legal acknowledgment of the tax implications of the conversion and is required by the IRS.
11
Conditional Trustee Acceptance Signature
This check is triggered when the receiving account is an 'investment-only retirement trust'. It verifies that the 'Trustee acceptance signature' section on page 5 has been signed and dated by the trustee. This signature certifies that the trust is permitted to accept the incoming assets, which is a crucial step for legal and regulatory compliance.
12
Specific Identification (SpecID) Data Requirement
If the user is requesting an indirect rollover or using SpecID, this validation ensures that the required details in Section 2, Part C are complete. This includes the holding name, number of shares, and the 'Date acquired' for each specific lot being moved. Missing information would make it impossible to identify the correct shares, leading to rejection of the request.
13
Medallion Guarantee or Voice Verification Requirement
This rule checks if the owners of the originating and receiving accounts are different. If they are, it validates that either a Medallion signature guarantee is provided or the 'Voice Verification' box is checked, unless a specific exemption applies. This is a high-level security measure to protect against fraudulent third-party transfers.
14
SSN Format Validation
This check ensures that the 'Last four digits of Social Security number' fields in Section 1 contain exactly four numeric digits. This simple format validation helps maintain data quality and is a prerequisite for the system to perform the subsequent identity verification check against account records. Incorrectly formatted data will cause an immediate failure.
Common Mistakes in Completing Form RTEVA
Users often accidentally swap the 'originating' (sending) and 'receiving' account numbers in Section 2. This simple oversight can cause the transfer to be rejected or, worse, move assets in the wrong direction, leading to significant processing delays and potential tax complications. To avoid this, carefully double-check that the account you are moving assets FROM is in the 'Originating' field and the account you are moving assets TO is in the 'Receiving' field.
Section 3 requires signatures from all owners of the originating account, but it's common for a joint owner or co-trustee to forget to sign. Vanguard cannot process a transfer without authorization from all parties, so a missing signature is a primary reason for rejection. This oversight will delay your transaction until a correctly completed form is resubmitted, so always ensure every owner on the sending account signs and dates the form.
In Section 2A, users may misunderstand the complex financial terminology and select the wrong transaction type, such as confusing a 'direct rollover' with an 'on-time indirect rollover'. This mistake can lead to incorrect tax reporting and potential penalties from the IRS. It is crucial to understand the definitions of each transaction or consult a financial advisor before making a selection to ensure compliance and avoid financial repercussions.
Users frequently overlook the instruction in Section 3 that a Medallion Signature Guarantee is required if the owners on the receiving account differ from the originating account. Submitting the form without this guarantee when it's needed will result in an automatic rejection and delay the asset transfer. Before signing, confirm if ownership differs and, if so, visit a qualified financial institution to obtain the guarantee stamp.
When choosing to move only some holdings in Section 2B, people often fail to clearly specify *either* the number of shares, a dollar amount, *or* a percentage for each holding. Providing conflicting or incomplete information forces the processor to guess the user's intent, which leads to the form being rejected. To prevent this, clearly indicate only one metric (shares, amount, or percentage) for each specific holding you wish to move.
The form contains special signature boxes on page 5 that are easily missed. When converting pre-tax money to a Roth IRA, the receiving Roth IRA owner must sign the designated section. Similarly, when moving assets into an investment-only trust, the trustee must sign the 'Trustee acceptance' section. Forgetting these specific, conditional signatures will halt the transaction, as they are required legal attestations.
In Section 2C, when using SpecID to move particular lots of shares for tax purposes, users frequently forget to include the 'Date acquired' for each lot. This date is essential for identifying the correct tax lot and processing the request accurately. Omitting this information will cause the form to be rejected, delaying the transfer until the complete details are provided.
The first page explicitly states this form cannot be used for actions like making an annual IRA contribution or removing an excess contribution. However, users sometimes attempt to use it for these purposes out of convenience or misunderstanding. This inevitably leads to the request being rejected, wasting time and effort. Always read the 'Don’t use this form to...' section to confirm your intended transaction is permitted.
When listing more holdings than will fit in Section 2, the form requires that any attached sheets be signed, dated, and include the account number. People often attach a simple list without this required authorization, which invalidates the instructions on the extra pages. This can result in an incomplete transfer or rejection of the entire form, so be sure to sign and date all attachments.
In Section 2A, when rolling over assets from an investment-only retirement trust to an IRA, there is a required checkbox to declare if the assets are pre-tax or post-tax. Users often overlook this small but critical detail, which is essential for proper tax tracking. Failure to make this declaration will cause the form to be considered incomplete and returned, delaying the rollover.
In Section 1, users sometimes write illegibly or forget to include all requested details like a middle initial or the last four digits of their Social Security number. These data entry errors can make it difficult to accurately identify the account owner, causing processing delays. Since this is a non-fillable PDF, using a tool like Instafill.ai can convert it to a fillable version, ensuring all text is legible and properly formatted to prevent such errors.
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