Yes! You can use AI to fill out Rollover/Transfer Request — ABLE Account
This form is used to initiate a rollover or a program-to-program transfer of assets from an existing ABLE or 529 college savings plan into a Fidelity ABLE (Achieving a Better Life Experience) account. It is essential for consolidating tax-advantaged savings for individuals with disabilities into a single account managed by Fidelity. 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/Transfer Request — ABLE Account |
| Number of pages: | 6 |
| Filled form examples: | Form Fidelity ABLE Rollover/Transfer Request Examples |
| Language: | English |
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How to Fill Out Fidelity ABLE Rollover/Transfer Request Online for Free in 2026
Are you looking to fill out a FIDELITY ABLE ROLLOVER/TRANSFER REQUEST form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY ABLE ROLLOVER/TRANSFER REQUEST form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY ABLE ROLLOVER/TRANSFER REQUEST form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Fidelity 'Rollover/Transfer Request — ABLE Account' form.
- 2 Provide your existing Fidelity ABLE Account information in Section 1, including the account number and beneficiary details.
- 3 Select the type of transaction you are performing by completing the appropriate section: Section 2 for a 60-Day Rollover, Section 3 for a program-to-program transfer from another ABLE account, or Sections 4/5 for a rollover from a 529 plan.
- 4 Use the AI tool to accurately input details of the transferring account, including firm names, account numbers, and specific liquidation instructions for full or partial transfers.
- 5 Carefully review all auto-filled information for accuracy, paying close attention to account numbers, dollar amounts, and personal identification details.
- 6 Electronically sign and date the form in Section 6. Ensure all required parties, such as the Person with Signature Authority (PSA) or 529 account participants, provide their signatures.
- 7 Download the completed form and submit it to Fidelity according to the instructions, along with any required documentation like a rollover check or account statements.
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 Fidelity ABLE Rollover/Transfer Request
This form is used to initiate a rollover or a direct program-to-program transfer of funds from an existing ABLE or 529 account into a Fidelity ABLE account.
Anyone who wants to move assets from another institution's ABLE or 529 plan into a Fidelity ABLE account should use this form. You must establish a Fidelity ABLE account before submitting this request.
Submit the completed form directly to Fidelity using the regular or overnight mail addresses on the last page. Do not send this form to the firm you are transferring assets from.
According to IRS regulations, you are permitted to roll over or transfer funds into an ABLE account for the same beneficiary only once every 12-month period.
Yes, the IRS treats a 529-to-ABLE rollover as a contribution. The total of your rollovers and regular contributions for the year cannot exceed the maximum annual ABLE contribution limit.
A 60-Day Rollover (Section 2) is for when you have already received a check from your previous ABLE or 529 account. You must deposit this check into your Fidelity ABLE account within 60 days of the distribution.
You must provide a statement from the distributing ABLE or 529 account that shows the principal and earnings breakdown of the funds. Without this documentation, Fidelity is required by law to treat the entire rollover amount as earnings.
The Person with Signature Authority (PSA) for the ABLE account must sign, or the Designated Beneficiary if no PSA exists. If transferring from a 529 account, all participants of that 529 account must also sign.
A Medallion Signature Guarantee is needed if you are transferring more than $10,000 from a Fidelity 529 account and the 529 participant is different from the individual signing for the ABLE account. This is not a notary stamp and can be obtained from most banks.
Yes, in Section 5 for non-Fidelity 529 plans, you can select 'Partial Liquidation' to specify the exact dollar amounts or portfolios you wish to transfer. The total amount must not exceed the annual ABLE contribution limit.
Yes, services like Instafill.ai use AI to help you accurately auto-fill form fields with your information, which saves time and helps prevent common errors.
You can use a service like Instafill.ai to upload the PDF and fill it out on your computer. The platform makes the form interactive, allowing you to type your information directly into the fields before printing.
If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai to instantly convert it into an interactive, fillable form. This lets you easily type in your information instead of filling it out by hand.
Compliance Fidelity ABLE Rollover/Transfer Request
Validation Checks by Instafill.ai
1
Exclusive Transaction Section Completion
This check ensures that only one of the primary transaction sections (Section 2, 3, 4, or 5) is completed on the form. Since a single form can only be used for one type of rollover or transfer, completing multiple sections creates ambiguity. If this validation fails, the form processing will be halted, and the user will be asked to resubmit separate forms for each intended transaction.
2
SSN and Taxpayer ID Number Format
This validation verifies that all Social Security Number (SSN) and Taxpayer ID Number (TIN) fields are entered in a valid 9-digit format (e.g., XXX-XX-XXXX or XXXXXXXXX). Correctly formatted identification numbers are essential for tax reporting and identity verification with financial institutions. An invalid format will prevent the system from matching individuals to accounts and will cause the submission to be rejected.
3
Signature Authority Verification
This check validates that the signature in Section 6a is from the correct individual. If a Person with Signature Authority (PSA) is listed in Section 1, that person must sign; otherwise, the Designated Beneficiary must sign. This is critical for ensuring the transaction is properly authorized and legally binding, and failure to comply will result in the rejection of the form.
4
Required Signatures for 529 Transfer
This validation ensures that if a rollover from a 529 account is requested (Section 4 or 5 is completed), all required 529 account participants have signed in Section 6b. For joint accounts, this may require multiple signatures. Missing signatures from any account participant will render the transfer request invalid and halt the process until all authorizations are obtained.
5
Fidelity ABLE Account Existence
This check verifies that the 'Fidelity Account Number' provided in Section 1 corresponds to an active and valid Fidelity ABLE account. The form requires an ABLE account to be established before a rollover can be initiated. If the account number is invalid or does not exist, the transfer cannot proceed and the form will be rejected.
6
Beneficiary Consistency Across Sections
This validation compares the Designated Beneficiary's name and SSN/TIN between Section 1 and Section 3 (if completed). The information must match exactly to ensure the program-to-program transfer is directed to the correct beneficiary's account. A mismatch indicates a potential error and will require clarification before the transfer can be processed.
7
Partial Liquidation Summation Check
For a partial liquidation from a non-Fidelity 529 plan (Section 5), this check ensures the sum of the individual portfolio dollar amounts equals the 'Total Amount' specified. This prevents discrepancies and ensures the liquidation instructions are mathematically sound. If the amounts do not reconcile, the form will be flagged for manual review or rejected for correction.
8
Conditional Joint Participant Information
This validation confirms that if the 'Joint' account type is selected in Section 5, the 'Joint 529 Participant Name' and 'Social Security or Taxpayer ID Number' fields are completed. This information is mandatory for processing transfers from joint accounts to ensure all owners are identified. Failure to provide this information will result in an incomplete application and processing delays.
9
Transferring Firm Information Completeness
This check ensures that if Section 3 or Section 5 is used to have Fidelity initiate a transfer, all fields under 'Transferring Firm Information' (name, address, account number, etc.) are fully completed. This contact and account information is critical for Fidelity to successfully request the funds from the other institution. Missing data will prevent the initiation of the transfer request.
10
Signature Date Validity
This validation verifies that all signature dates in Section 6 are in a valid MM/DD/YYYY format and are not post-dated (i.e., not a future date). A valid and current date is required to establish the time of authorization. A form with a missing, invalid, or future date will be considered invalid and returned to the signer.
11
Portfolio Instruction Ambiguity Check
In Section 4, for each portfolio line item, this check ensures that either a 'Dollar Amount' is specified or the 'ALL' checkbox is selected, but not both. Providing both creates conflicting instructions for the rollover. If an ambiguity is detected, the form will be rejected to prevent incorrect asset movement.
12
Conditional Medallion Signature Guarantee
This check flags whether a Medallion Signature Guarantee is required but not provided. The guarantee is needed for 529 transfers over $10,000 where the 529 participant is different from the ABLE account signer in 6a. This is a fraud prevention measure, and its absence under these conditions will cause the request to be rejected until the proper guarantee is obtained.
Common Mistakes in Completing Fidelity ABLE Rollover/Transfer Request
The form has very specific signature rules that are often missed. For example, if a Person with Signature Authority (PSA) is on the account, they must sign in section 6a, not the beneficiary. For 529 transfers, all account participants must sign. A missing or incorrect signature is one of the most common reasons for rejection, causing significant delays and requiring the form to be resubmitted.
Applicants often confuse a notary stamp with a Medallion Signature Guarantee, but they are not interchangeable. The form requires a Medallion guarantee under specific conditions, such as a 529 transfer over $10,000 where the participant differs from the ABLE account signer. Submitting a notarized form when a Medallion guarantee is needed will result in immediate rejection of the request.
This form is used to transfer funds into an *existing* Fidelity ABLE account. A frequent error is submitting this request without first opening the destination account. This results in an automatic rejection, as Fidelity has no account number to associate with the incoming funds. Always open the Fidelity ABLE account online before initiating a rollover.
The IRS treats a 529-to-ABLE rollover as a contribution, which is subject to the annual ABLE contribution limit. People often forget to account for prior contributions made during the year, requesting a rollover amount that pushes them over the legal limit. This will cause the transaction to be rejected and require a new form with a corrected amount.
When performing a 60-day rollover (Section 2), you must include a statement from the distributing institution that breaks down the principal and earnings portions of the funds. If this statement is missing, the IRS requires Fidelity to treat the entire rollover amount as taxable earnings. This can lead to unexpected tax liabilities for the beneficiary.
The form has multiple, distinct sections for different transaction types (e.g., Section 2 for when you have a check, Section 3 for an ABLE-to-ABLE transfer, Section 5 for a 529 transfer). A common mistake is filling out the wrong section, such as using the ABLE transfer section for a 529 account. This leads to processing errors and requires Fidelity to contact you for clarification, delaying the transfer.
In Sections 3 and 5, Fidelity needs the full, correct legal name and address of the firm you are transferring assets from. Applicants often provide a common name (e.g., 'Vanguard') instead of the specific entity (e.g., 'Vanguard 529 Plan') or an incomplete address. This ambiguity forces Fidelity to halt the process and research the correct information, adding weeks to the transfer time.
In Section 1, it is crucial to distinguish between the 'Designated Beneficiary' and the 'Person with Signature Authority' (PSA). The PSA, who may be filling out the form, sometimes mistakenly enters their own name and Social Security Number in the beneficiary fields. This data mismatch will cause the form to fail validation and be rejected.
The instructions state to send the completed form directly to Fidelity, not the institution you are transferring funds from. However, people often mistakenly mail it to their current administrator, assuming they initiate the transfer. This can cause the request to be lost or significantly delayed, as the other firm may not know how to process a Fidelity-specific form.
When requesting a partial rollover from specific portfolios (Sections 4 and 5), users sometimes create conflicting instructions. For example, they might enter a specific dollar amount but also check the 'Full Portfolio' box for the same line item. This ambiguity requires a processor to stop and seek clarification, delaying the investment of your funds. AI-powered tools like Instafill.ai can help prevent such errors by validating data fields for consistency before submission.
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