Yes! You can use AI to fill out Rollover Request — 529 College Savings Plan
The Rollover Request — 529 College Savings Plan is an official Fidelity form that allows account owners to consolidate education savings by rolling over funds from an existing 529 plan, Coverdell education savings account, or qualified U.S. Savings Bond into a Fidelity-managed 529 College Savings Plan. The form is critical for ensuring rollovers comply with IRS regulations, including the 60-day rollover window and the once-per-12-months rollover rule, while properly documenting principal and earnings breakdowns. Accurate completion is essential to avoid the entire rollover amount being treated as earnings, which could have tax implications. 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: | Rollover Request — 529 College Savings Plan |
| Number of pages: | 1 |
| Filled form examples: | Form Fidelity 529 Rollover Request Examples |
| Language: | English |
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How to Fill Out Fidelity 529 Rollover Request Online for Free in 2026
Are you looking to fill out a FIDELITY 529 ROLLOVER REQUEST form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY 529 ROLLOVER REQUEST form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY 529 ROLLOVER REQUEST form online using Instafill.ai:
- 1 Navigate to Instafill.ai, search for the Fidelity Rollover Request — 529 College Savings Plan form, and upload or select it to begin filling it out online.
- 2 Complete Section 1 by entering the Fidelity 529 account number, participant/owner name, Social Security or Taxpayer ID number, primary phone number, and beneficiary (student) information including name, SSN, and date of birth.
- 3 If rolling over between two Fidelity-managed 529 plans, complete Section 2 by providing the source Fidelity 529 account number, beneficiary name, and specifying whether you want a full or partial rollover along with portfolio names and dollar amounts.
- 4 If you have already received a check from a non-Fidelity 529 plan, complete Section 3 by selecting the appropriate rollover type (Coverdell, U.S. Savings Bonds, or another 529 plan) and attaching the required documentation showing principal and earnings breakdown.
- 5 If requesting a direct transfer from a non-Fidelity 529 plan, complete Section 4 by selecting the account type, providing the transferring account number, participant/trustee information, beneficiary details, and the transferring firm's contact and address information, then specify full or partial liquidation instructions.
- 6 Review all entered information for accuracy, ensure all required documentation (account statements, Form 1099-INT, or earnings statements) is attached, and confirm that you have an existing Fidelity-managed 529 account prior to submission.
- 7 Sign and date the form in Section 5 (all account owners must sign, with a Medallion Signature Guarantee if required), then submit the completed form along with any required documents and checks to Fidelity Investments via regular or overnight mail.
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Frequently Asked Questions About Form Fidelity 529 Rollover Request
This form is used to initiate a rollover or deposit into a Fidelity-managed 529 College Savings Plan from another 529 plan, a Coverdell education savings account, or a qualified U.S. Savings Bond. It allows you to consolidate education savings into a Fidelity 529 account.
Yes, you must have an existing Fidelity-managed 529 account before submitting this rollover request. If you don't have one, you can open a new account online at Fidelity.com/openaccount or submit a new account application along with this form.
IRS regulations allow only one rollover per beneficiary during any 12-month period without changing the beneficiary. If you want to do an additional rollover within 12 months, a change in beneficiary is required for the transaction to qualify as a rollover.
To be valid, a rollover from another 529 plan must be completed within 60 days of the distribution from the other 529 plan. If you have already received a check from your current 529 plan, you must include it with this form and submit it to Fidelity within that 60-day window.
You should submit this form directly to Fidelity, not to your current 529 plan administrator. If you already have a check from your current plan, include it with the form. If not, Fidelity will contact your current plan administrator to arrange the transfer.
You are responsible for providing Fidelity with the principal and earnings breakdown of the rollover amount. For a Coverdell account, provide an account statement showing basis and earnings; for U.S. Savings Bonds, provide a statement or Form 1099-INT; for another 529 plan, provide a statement from the distributing program showing the earnings portion. If this documentation is not received, Fidelity is required by law to treat the entire rollover amount as earnings.
Both full and partial rollovers are supported. For a rollover between Fidelity-managed 529 plans (Section 2) or a transfer from a non-Fidelity 529 plan (Section 4), you can choose either a full liquidation/rollover or specify particular portfolios and dollar amounts for a partial transfer.
No, this form cannot be used to change the beneficiary on your 529 plan. To change the beneficiary, visit Fidelity.com to complete the transaction online or obtain the correct form. Note that you may not change the beneficiary on a custodial 529 plan.
No, this form cannot be used to request a 529-to-Roth IRA transfer. You will need to use a different form or process for that type of transaction. Contact Fidelity at 800-544-1914 or visit Fidelity.com/college for guidance on 529-to-Roth IRA transfers.
All owners of both accounts must sign the form in Section 5. In some cases, a Medallion Signature Guarantee may also be required. Make sure to print your name, sign, and date the form before submitting it.
You can send the completed form and any required documents by regular mail to Fidelity Investments, Attn: CPSC, PO Box 770001, Cincinnati, OH 45277-0015, or by overnight mail to Fidelity Investments, Attn: CPSC, 100 Crosby Parkway KC1K, Covington, KY 41015. Make any checks payable to Fidelity Brokerage Services LLC.
If you are rolling over a UGMA/UTMA 529 plan, you must first establish a Fidelity-managed UGMA/UTMA 529 plan account for the same beneficiary before submitting this form. On the form, select the UGMA/UTMA 529 option and provide the custodian's information in Section 4.
Yes, you can use AI-powered services like Instafill.ai to auto-fill this form accurately and save time. Instafill.ai can help you complete the required fields quickly, reducing the chance of errors. If you have a flat, non-fillable PDF version of this form, Instafill.ai can also convert it into an interactive fillable form.
To fill out this form online, visit Instafill.ai and upload the Rollover Request — 529 College Savings Plan PDF. The AI will guide you through each section, auto-filling fields such as account numbers, beneficiary information, and transfer details. Once complete, you can download, print, and submit the form to Fidelity.
If you have questions about this form, you can visit Fidelity.com/college or call Fidelity directly at 800-544-1914. Your current 529 plan administrator may also need to be contacted, as they may have specific forms or signature requirements for releasing your funds.
Compliance Fidelity 529 Rollover Request
Validation Checks by Instafill.ai
1
Fidelity 529 Account Number Format and Presence Validation
Validates that the Fidelity 529 Account Number (AccountNumber field) is present and conforms to the expected numeric format used by Fidelity. This field is required because the form explicitly states the participant must have an existing Fidelity-managed 529 account prior to submitting the request. If this field is missing or improperly formatted, the rollover cannot be processed and the submission must be rejected.
2
Social Security Number Format Validation for All SSN Fields
Checks that all Social Security or Taxpayer ID Number fields (AccountOwnerSSN, BeneSSN, RollAccountOwnerSSN, RollBeneAccountOwnerSSN, RollBeneAccountOwnerSSN1) follow the standard 9-digit SSN format (XXX-XX-XXXX or 9 consecutive digits). SSNs are required for IRS reporting purposes and incorrect formatting can cause tax reporting errors or rejection of the rollover. Any SSN field that is populated but does not match the expected format should trigger a validation failure.
3
Beneficiary Date of Birth Format and Validity Check
Ensures the BeneDOB field is populated and follows the MM/DD/YYYY format as specified on the form, and that the date represents a valid calendar date (e.g., no month value greater than 12, no day value exceeding the days in the given month). The beneficiary's date of birth is critical for 529 plan eligibility and IRS compliance. An invalid or missing date of birth will prevent proper account identification and may cause the rollover to be misapplied.
4
Signature Date Format and Recency Validation
Validates that the signature date fields follow the MM/DD/YYYY format and that the date is not in the future and is reasonably recent. The form requires today's date at signing, and an incorrect or future date could indicate a fraudulent or improperly completed submission. Additionally, since rollovers from non-Fidelity 529 plans must be completed within 60 days of distribution, the signature date helps establish the timeline for compliance.
5
Mutual Exclusivity of Section 2 and Sections 3/4 Completion
Checks that the submitter has not completed both Section 2 (Rollover between Fidelity-managed 529 Plans) and Section 3 or Section 4 (rollovers from non-Fidelity plans) simultaneously, as these sections are mutually exclusive based on whether both accounts are held at Fidelity. Completing conflicting sections would create ambiguity about the source of funds and the applicable processing rules. If both sections contain data, the form should be flagged for manual review or returned to the submitter for clarification.
6
Partial Rollover Portfolio Name and Amount Consistency Check
For partial rollover selections in Section 2 or Section 4, validates that each portfolio entry with a dollar amount also has a corresponding portfolio name populated, and that neither the portfolio name nor the amount is left partially blank. A portfolio entry with an amount but no name (or vice versa) cannot be processed and would result in an incomplete transfer. Additionally, if the 'ALL' checkbox is selected for a portfolio row, the corresponding dollar amount field should be empty to avoid conflicting instructions.
7
Total Dollar Amount Matches Sum of Portfolio Amounts
Verifies that the Total Dollar Amount fields (2TotalAmount and 3TotalAmount) equal the arithmetic sum of all individual portfolio dollar amounts entered in their respective sections. Discrepancies between the total and the sum of parts would result in either over- or under-transfer of funds, causing financial harm to the account holder. This check should flag any mismatch and require correction before the form is processed.
8
Rollover Type Selection Presence in Section 3
Ensures that when Section 3 is completed, exactly one rollover type checkbox is selected among the three options: Rollover from a Coverdell education savings account, Rollover from the redemption of qualified U.S. Savings Bonds, or Rollover from another 529 Plan. The rollover type determines the required supporting documentation and the tax treatment of principal versus earnings. If no type is selected or multiple types are selected, the form cannot be processed correctly and must be returned.
9
Account Type Selection Presence in Section 4
Validates that exactly one account type checkbox is selected in Section 4 (Individual 529, Joint 529, Trust 529, UGMA/UTMA 529, or Coverdell education savings account) when a transfer from a non-Fidelity plan is being requested. The account type determines the required participant information fields and any special handling requirements, such as trustee information for Trust accounts or custodian information for UGMA/UTMA accounts. Selecting multiple types or none at all creates processing ambiguity and must be flagged.
10
Transferring Firm Name and Contact Information Completeness
Checks that when Section 4 is completed, the Transferring Firm Name (TransFirmName), Contact Person (ContactName), and Daytime Phone (ContactDayPhone) fields are all populated. Fidelity requires this information to contact the transferring plan administrator and initiate the liquidation and transfer of assets. Missing firm contact details will delay or prevent Fidelity from processing the transfer on the account holder's behalf.
11
Transferring Firm Address Completeness and State Format Validation
Ensures that when Section 4 is completed, the transferring firm's full address is provided, including MailingAddress, MailingCity, MailingState, and Mailing_Zip_PostalCode. The state field should contain a valid two-letter U.S. state abbreviation, and the ZIP code should follow the 5-digit or 9-digit (ZIP+4) format. An incomplete or incorrectly formatted address may result in failed correspondence with the transferring firm and delays in the rollover process.
12
Beneficiary Name Consistency Across Sections
Validates that the beneficiary name provided in Section 1 (BeneName) matches the beneficiary name referenced in Section 2 (BeneName2) or Section 4 (RollBeneOwnerName, RollBeneOwnerName1) when those sections are completed. The form explicitly notes that the beneficiary name on the transferring account must match the beneficiary named in Section 1. A mismatch could indicate an unauthorized rollover or an attempt to change the beneficiary using this form, which is explicitly prohibited.
13
Owner/Authorized Individual Name and Signature Presence
Confirms that at least one Owner/Authorized Individual printed name (OwnerAuthName) is provided in Section 5, and that the corresponding signature field is not left blank. The form states all owners of both accounts must sign, making the signature a legal requirement for the rollover to be valid. A missing printed name or signature renders the form legally incomplete and the rollover request cannot be honored.
14
UGMA/UTMA Account Cross-Validation with Fidelity Account Type
When the UGMA/UTMA 529 account type is selected in Section 4, validates that the Fidelity destination account referenced in Section 1 is also a UGMA/UTMA 529 plan account, as the form explicitly states that a Fidelity-managed UGMA/UTMA 529 plan account must be established for the same beneficiary. Transferring a UGMA/UTMA account into a non-custodial 529 account would violate the custodial nature of the assets. This check should flag the submission for review if the account types appear inconsistent.
15
Trust Account Trustee Information Completeness
When the Trust 529 account type is selected in Section 4, validates that the Trust Name field and the Trustee's Social Security or Taxpayer ID Number are both populated, as the form instructs that trustee information must be provided for trust-owned accounts. Missing trustee details prevent proper legal verification of the account ownership and authority to initiate the transfer. The submission should be rejected if the trust type is selected but trustee identifying information is absent.
16
Daytime Phone Number Format Validation
Ensures that all phone number fields (DayPhone, ContactDayPhone) are populated with a valid 10-digit U.S. phone number format (e.g., XXX-XXX-XXXX or (XXX) XXX-XXXX) when provided, and that the primary phone field in Section 1 is not left blank. Valid contact phone numbers are necessary for Fidelity to reach the account holder or transferring firm if questions arise during processing. Phone numbers with fewer than 10 digits, non-numeric characters in unexpected positions, or invalid area codes should trigger a validation failure.
Common Mistakes in Completing Fidelity 529 Rollover Request
Many people mistakenly send this rollover request form to their current 529 plan administrator instead of directly to Fidelity. This happens because it seems logical to notify the outgoing institution first, but the form explicitly instructs submitters to send it to Fidelity, not the transferring plan. This error can cause significant delays or rejection of the rollover request. Always mail the completed form to Fidelity Investments at the addresses listed on page 4, and separately verify with your current plan administrator what their specific requirements are.
A rollover from another 529 plan must be completed within 60 days of the distribution from the other plan, yet many people underestimate how long paperwork and processing takes and miss this critical IRS deadline. If the 60-day window is missed, the distribution may be treated as a non-qualified withdrawal, potentially subject to income taxes and a 10% penalty on earnings. Begin the rollover process immediately upon receiving your distribution check, and use tools like Instafill.ai to quickly and accurately complete the form to avoid unnecessary delays.
One of the most consequential mistakes is not including the required documentation showing the principal and earnings breakdown of the rollover amount. If this information is not provided, IRS regulations require Fidelity to treat the entire rollover amount as earnings, which can significantly increase the tax burden if funds are later withdrawn for non-qualified expenses. For a 529 plan rollover, you must attach a statement from the distributing 529 program showing the earnings portion; for a Coverdell account, an account statement showing basis and earnings; and for U.S. Savings Bonds, a Form 1099-INT or equivalent statement.
IRS regulations only permit one 529-to-529 rollover per beneficiary within any 12-month period without a beneficiary change, and many account owners are unaware of this restriction. Attempting a second rollover within 12 months without changing the beneficiary can result in the distribution being treated as a taxable, non-qualified withdrawal with potential penalties. Before initiating a rollover, verify the date of your last rollover for the same beneficiary, and consult a tax advisor if you are unsure whether you are within the allowable window.
The form explicitly states that you must have an existing Fidelity-managed 529 account before submitting this rollover request, yet many people submit the rollover form without first opening a receiving account. This causes the request to be rejected or significantly delayed while an account is established. Open a new Fidelity 529 account online at Fidelity.com/openaccount or submit a new account application alongside this form, and ensure the account number is correctly entered in Section 1 before mailing.
Social Security Numbers (SSNs) for the account owner, beneficiary, and transferring account owner must all be entered accurately, but transposed digits or using the wrong person's SSN are very common data entry errors. Mismatched SSNs can cause the rollover to be rejected, flagged for identity verification, or applied to the wrong account. Double-check every SSN field carefully before submitting, and consider using an AI-powered form filling tool like Instafill.ai, which can auto-populate and validate SSN fields to reduce manual entry errors.
The form has distinct sections for different rollover scenarios: Section 2 for rollovers between two Fidelity-managed accounts, Section 3 for 60-day rollovers from non-Fidelity plans where you already have a check, and Section 4 for direct transfers from non-Fidelity plans. People frequently complete the wrong section or fill out multiple sections when only one applies, causing confusion and processing errors. Read the section headers carefully and only complete the section that matches your specific situation.
The signature section on page 4 includes a field for a Medallion Signature Guarantee, which may be required for certain rollover transactions, yet many people sign the form without obtaining this guarantee and submit it incomplete. A Medallion Signature Guarantee is a special certification obtained from a bank or financial institution and is different from a standard notarization. Failing to include it when required will result in the form being rejected. Contact Fidelity at 800-544-1914 to confirm whether your specific rollover requires a Medallion Signature Guarantee before submitting.
Section 5 clearly states that all owners of both accounts must sign the form, but it is common for only one owner to sign, especially when accounts are jointly held. An unsigned or partially signed form will be rejected and returned, causing delays that could jeopardize the 60-day rollover window. Review the signature section carefully, ensure every required owner or authorized individual signs and dates the form, and verify that the printed names match the account records exactly.
When requesting a partial rollover in Section 2 or Section 4, filers must specify the exact portfolio name and dollar amount (or check 'ALL' for a specific portfolio), but many people leave portfolio names blank, enter incorrect fund names, or fail to ensure the total dollar amount matches the sum of individual portfolio amounts. These errors cause processing delays or incorrect fund liquidations. Reference your most recent account statement for exact portfolio names, double-check that all amounts add up correctly, and attach additional sheets if you have more than four portfolios to list.
The form explicitly warns that it must NOT be used to change the beneficiary on a 529 plan or to request a 529-to-Roth IRA transfer, yet people unfamiliar with Fidelity's form library frequently use this form for those purposes. Submitting this form for an ineligible transaction type will result in rejection and wasted time. If you need to change a beneficiary, visit Fidelity.com to complete the transaction online or obtain the correct form; for a 529-to-Roth IRA transfer, contact Fidelity directly for the appropriate documentation.
Section 4 requires detailed information about the transferring firm, including the firm name, contact person, daytime phone number, and full mailing address, but people often leave fields like the contact person or extension blank, or provide an outdated address. Incomplete transferring firm information prevents Fidelity from contacting the administrator to initiate the transfer, causing significant delays. Gather the transferring firm's current contact details directly from your most recent account statement or by calling the firm before completing this section. Tools like Instafill.ai can help ensure all required fields are populated before submission.
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