Yes! You can use AI to fill out Transfer Due to Divorce — IRA/HSA/529
The Fidelity Transfer Due to Divorce — IRA/HSA/529 form is an official document that enables the court-ordered transfer of assets between ex-spouses' Fidelity accounts, including IRAs, HSAs, and 529 college savings accounts, as required by a divorce decree or legal separation order. The form ensures compliance with IRS regulations under IRC Sections 408(d)(6), 223(f)(7), and 529, protecting both parties from unintended tax liabilities. It requires signatures from both the account owner (relinquishing party) and the ex-spouse (receiving party), along with a copy of the judge-signed divorce decree. 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: | Transfer Due to Divorce — IRA/HSA/529 |
| Number of pages: | 1 |
| Filled form examples: | Form Fidelity Transfer Due to Divorce Examples |
| Language: | English |
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How to Fill Out Fidelity Transfer Due to Divorce Online for Free in 2026
Are you looking to fill out a FIDELITY TRANSFER DUE TO DIVORCE form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY TRANSFER DUE TO DIVORCE form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY TRANSFER DUE TO DIVORCE form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Fidelity Transfer Due to Divorce — IRA/HSA/529 form or select it from the available form library.
- 2 Enter the Account Owner (relinquishing party) information, including the Fidelity account number, full name, and primary phone number in Section 1.
- 3 Enter the Ex-Spouse (receiving party) information in Section 2, including their Fidelity IRA, HSA, or 529 account number and full name; if the ex-spouse does not have an existing account, note that a new account application must be submitted.
- 4 Complete the Transfer Instructions in Section 3 by selecting either a specified dollar amount, a specified percentage of the entire account, or specific securities to be transferred in kind, providing all required details such as investment names, CUSIP/symbols, and number of shares.
- 5 Gather and attach a copy of the divorce decree or legal separation order signed by a judge, ensuring it identifies both parties and includes the judge's signature.
- 6 Have both the account owner and the ex-spouse print their names, sign, and date the form in Section 4; obtain a Medallion Signature Guarantee for the account owner if the transfer value exceeds $100,000.
- 7 Submit the completed and signed form along with all required documents by scanning and uploading via Fidelity.com/upload-Transfer-Divorce, or mail to the appropriate Fidelity address if digital submission is not possible.
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Frequently Asked Questions About Form Fidelity Transfer Due to Divorce
This form is used to transfer assets from a Traditional, Roth, Rollover, SEP, or SIMPLE IRA, Fidelity HSA, or Fidelity 529 account to an ex-spouse's account of the same type as a result of a divorce decree or legal separation. It ensures the transfer is handled correctly under IRS rules so it is not treated as a taxable distribution.
You must include a copy of the divorce decree or legal separation order signed by a judge. The submitted pages must confirm the divorce is granted, identify both parties, and include the judge's signature. Only the relevant pages are required — not the entire document.
Yes, the receiving ex-spouse must have an existing Fidelity IRA, HSA, or 529 account of the same type as the one being transferred. If they don't have one, they must complete and submit a new account application along with this form, which can be started at Fidelity.com/openaccount.
No, transfers must be between the same type of account — HSA to HSA, 529 to 529, or the same type of IRA (e.g., Roth IRA to Roth IRA). If you need to transfer both an HSA and an IRA, you must complete a separate form for each account type.
You can choose to transfer a specified dollar amount (which must be available in the core or cash position), a specified percentage of the entire account (enter 100% for a full transfer), or specific securities in kind by listing the investment name, CUSIP or symbol, and number of shares.
A Medallion signature guarantee is required from the account owner (relinquishing party) if the transfer value exceeds $100,000. However, if the form is completed in person at a Fidelity Investor Center with all signers present, the Medallion signature guarantee is not required. Note that a notary seal is not a substitute for a Medallion signature guarantee.
Both the account owner (relinquishing party) and the ex-spouse (receiving party) must sign and date the form. Both signatures confirm the accuracy of the information and authorize Fidelity to process the transfer as instructed.
For faster processing, complete and sign the form, then scan or photograph the entire form along with required documents and upload them at Fidelity.com/upload-Transfer-Divorce or by scanning the QR code on the form. If you cannot use the digital upload process, visit Fidelity.com/customer-service/mailing-address for mailing instructions.
Failure to comply with IRS requirements (IRC Section 408(d)(6) for IRAs, IRC Section 223(f)(7) for HSAs, or IRC Section 529 for 529s) may result in the transfer being treated as reportable income in the year it occurs, potentially creating significant tax liabilities. Fidelity recommends consulting with independent tax or legal counsel before submitting this form.
No, Fidelity is unable to accept instructions that require interpretation, such as calculations of earnings, interest, penalties, or transfers valued 'as of' a specific date. If your divorce decree includes such language, you will need to determine the exact dollar amount or percentage before submitting the form.
If your documents include references to equalization or simultaneous transfers, you should speak with a Fidelity case manager before submitting the form. You can contact Fidelity at 800-544-0003 or visit Fidelity.com for assistance.
Yes, AI-powered services like Instafill.ai can help you accurately auto-fill the form fields, saving time and reducing errors. If you have a non-fillable PDF version of this form, Instafill.ai can also convert it into an interactive fillable form so you can complete it digitally.
Visit Instafill.ai, upload the Transfer Due to Divorce — IRA/HSA/529 form, and the AI will guide you through filling in each field accurately. Once completed, you can download the filled form, gather your required documents, and submit everything through Fidelity's digital upload portal at Fidelity.com/upload-Transfer-Divorce.
If you have multiple accounts with different transfer percentages, you must complete a separate form for each account. The form only accommodates one set of transfer instructions per submission.
If you need to list more securities than the form provides space for, you can make a copy of the relevant page or attach a separate sheet with the same information (investment name, CUSIP or symbol, and number of shares). Any attachment must be signed and dated to be accepted.
Compliance Fidelity Transfer Due to Divorce
Validation Checks by Instafill.ai
1
Account Owner Fidelity Account Number Format and Completeness
Validates that the account owner's (relinquishing party's) Fidelity account number is present and conforms to Fidelity's standard account number format. Account numbers must not be left blank, contain invalid characters, or be truncated. If this field is missing or malformed, Fidelity cannot identify the source account from which assets are to be transferred, causing the form to be rejected outright.
2
Ex-Spouse Fidelity Account Number Format and Completeness
Validates that the ex-spouse's (receiving party's) Fidelity account number is present and correctly formatted. Since the form explicitly states the receiving party must have an existing Fidelity IRA, HSA, or 529, a missing or invalid account number indicates either the account does not exist or the form is incomplete. Failure to provide a valid receiving account number will prevent the transfer from being processed and may require the ex-spouse to first open a new account.
3
Account Owner Name Completeness and Match
Validates that the account owner's name is provided in the designated field and matches the name associated with the Fidelity account number supplied. The name should be the full legal name as it appears on the account, not a nickname or abbreviation. A mismatch between the name and account number could indicate an error in account identification and may result in the transfer being applied to the wrong account.
4
Ex-Spouse Name Completeness and Match
Validates that the receiving party's name is provided and corresponds to the name on the Fidelity account number listed for the ex-spouse. The form instructs users to 'Provide name on receiving account,' meaning the name must exactly match the account registration. If the name does not match the account on record, Fidelity cannot confirm the correct receiving party and will reject or delay the transfer.
5
Transfer Instruction Selection — Exactly One Option Chosen
Validates that exactly one of the three transfer instruction options is selected: Specified Dollar Amount, Specified Percentage, or Securities In Kind. The form explicitly states 'Check ONLY one,' meaning selecting multiple options or leaving all options blank renders the instructions ambiguous or incomplete. If more than one option is selected or none is selected, Fidelity cannot determine the intended transfer scope and will be unable to process the request.
6
Dollar Amount Field Validity When Specified Amount Is Selected
Validates that when the 'Specified Amount' option is chosen, the Dollar Amount field contains a positive numeric value greater than zero. The form notes that the amount must be available in the core position or a cash position in a Mutual Fund Only account, so the value must be a valid currency amount. A blank, zero, or non-numeric entry in this field when the dollar amount option is selected will result in an incomplete or unprocessable transfer instruction.
7
Percentage Field Validity and Range When Specified Percentage Is Selected
Validates that when the 'Specified Percentage' option is chosen, the Percentage field contains a numeric value between 1 and 100 inclusive. The form notes that a full transfer should be entered as 100%, so values outside this range or non-numeric entries are invalid. An invalid percentage value will prevent Fidelity from calculating the correct transfer amount and will cause the form to be returned for correction.
8
Securities In Kind Fields Completeness When Securities Option Is Selected
Validates that when the 'Transfer the following Securities In Kind' option is selected, at least one security entry is fully populated with either a valid Investment Name and CUSIP/Symbol, along with either a Number of Shares or the 'ALL' checkbox marked. Partial entries — such as providing an investment name without a CUSIP/symbol or shares — create ambiguity about which security and how much should be transferred. Incomplete security entries will cause processing delays or rejection of the transfer request.
9
CUSIP or Symbol Format Validation for Securities Entries
Validates that any CUSIP or ticker symbol entered for a security conforms to standard formats: CUSIPs must be exactly 9 alphanumeric characters, and ticker symbols must be 1–5 uppercase alphabetic characters. An incorrectly formatted or unrecognizable CUSIP/symbol prevents Fidelity from identifying the specific security to be transferred. If the identifier does not match a known security, the transfer instruction cannot be executed and the form will be returned.
10
Number of Shares vs. 'ALL' Checkbox Mutual Exclusivity
Validates that for each securities entry, either a specific number of shares is entered or the 'ALL' checkbox is marked, but not both simultaneously. Providing both a share count and checking 'ALL' creates a conflicting instruction that Fidelity cannot interpret without making assumptions. If both are indicated for the same security, the form will be flagged as ambiguous and returned to the submitter for clarification.
11
Account Owner Signature Presence
Validates that the Account Owner (Relinquishing Party) signature field has been signed. The form requires both the account owner and ex-spouse to sign and date the form, and the account owner's signature certifies the accuracy of all information and authorizes Fidelity to act on the instructions. An unsigned form from the account owner is legally insufficient and will be rejected, as Fidelity cannot process a transfer without explicit authorization from the relinquishing party.
12
Ex-Spouse Signature Presence
Validates that the Ex-Spouse (Receiving Party) signature field has been signed. Both parties must sign to acknowledge the transfer terms and the associated tax and legal implications outlined in Section 4. Without the receiving party's signature, the form is incomplete and Fidelity will not process the transfer, as the ex-spouse's consent and acknowledgment are required for compliance purposes.
13
Date Fields Format and Logical Validity
Validates that both the Account Owner's and Ex-Spouse's date fields are filled in using the MM/DD/YYYY format and represent real, valid calendar dates. Dates must not be in the future relative to the submission date, and both dates should be reasonably close to each other to reflect a contemporaneous signing. An improperly formatted or logically impossible date (e.g., 13/45/2024) will cause the form to be rejected, and a future date may raise compliance concerns.
14
Medallion Signature Guarantee Requirement for High-Value Transfers
Validates that if the transfer value exceeds $100,000, the Medallion Signature Guarantee section is completed and stamped by a qualifying institution. The form explicitly states this guarantee is required for the account owner when the transfer value surpasses this threshold, unless the form is completed in person at a Fidelity Investor Center. Submission of a high-value transfer without a Medallion Signature Guarantee will result in the form being returned unprocessed, as this safeguard protects against unauthorized large transfers.
15
Same Account Type Consistency Between Relinquishing and Receiving Accounts
Validates that the account type of the relinquishing party's account matches the account type of the receiving party's account (e.g., Traditional IRA to Traditional IRA, Roth IRA to Roth IRA, HSA to HSA, or 529 to 529). The form explicitly states that transfers must be between the same type of account, and cross-type transfers are not permitted. If the account types do not match, the transfer violates IRS regulations and Fidelity's policy, and the form will be rejected to prevent potential tax liability for both parties.
16
Primary Phone Number Format Validity
Validates that the Primary Phone number provided in the Account Owner Information section is in a standard 10-digit U.S. phone number format (e.g., XXX-XXX-XXXX or (XXX) XXX-XXXX) and does not contain letters or special characters. While the form notes this number will not be used to update account information, it is used for follow-up questions during processing. An invalid or missing phone number may delay resolution of any issues that arise during the transfer review process.
Common Mistakes in Completing Fidelity Transfer Due to Divorce
Many people submit the form without attaching a copy of the divorce decree or legal separation order signed by a judge, or they include the wrong pages. The form requires specific pages that identify the parties, confirm the divorce is granted, and include the judge's signature. Submitting incomplete or incorrect documentation will delay or reject the transfer. Always review the decree before submission and include only the pages that meet all four criteria: identification of parties, confirmation of divorce, judge's signature, and the granting statement. Tools like Instafill.ai can prompt you with a checklist of required attachments to ensure nothing is missed.
A common misunderstanding is trying to transfer a Traditional IRA to a Roth IRA, or an HSA to a 529, assuming any Fidelity account can receive the funds. The form strictly requires transfers between the same account types (e.g., Roth IRA to Roth IRA, HSA to HSA). Mismatched transfers will be rejected and could trigger tax consequences. Always verify that both the relinquishing and receiving accounts are of the exact same type before completing the form.
People often try to consolidate all transfer instructions onto one form when they need to transfer both an HSA and an IRA. The form explicitly states that a separate form must be completed for each registration type. Submitting a single form for multiple account types will result in processing delays or rejection of one or both transfers. Complete and submit a distinct form for each account type being transferred.
Account numbers are frequently entered with missing digits, extra spaces, or transposed numbers, especially since both the account owner and ex-spouse account numbers must be provided. An incorrect account number can cause funds to be transferred to the wrong account or result in the form being rejected. Double-check all account numbers against official Fidelity statements before submission. AI-powered tools like Instafill.ai can help validate account number formats automatically.
The form instructs filers to check ONLY one transfer method — either a specified dollar amount, a specified percentage, or specific securities in kind — but people often check multiple boxes thinking they can combine methods. Selecting more than one option creates ambiguous instructions that Fidelity cannot process, leading to rejection. Carefully read the 'Check ONLY one' instruction and select the single method that best reflects the divorce decree's requirements.
When selecting the 'Specified Amount' option, filers sometimes enter a dollar figure without realizing the funds must be available in the core position or in a cash position in a Mutual Fund Only account. If the specified amount is tied up in securities, the transfer cannot be processed as requested. Verify the available cash balance in the account before specifying a dollar amount, or choose the 'Specified Percentage' or 'Securities In Kind' option instead.
Many account owners are unaware that a Medallion Signature Guarantee is required from the relinquishing party when the transfer value exceeds $100,000. People often confuse a notary seal or stamp with a Medallion Signature Guarantee, which are not interchangeable. Submitting the form without the proper guarantee when required will result in rejection. Obtain a Medallion Signature Guarantee from a bank, credit union, or other qualifying financial institution before submitting, or complete the form in person at a Fidelity Investor Center with all signers present.
A frequent mistake is submitting the form without providing the ex-spouse's Fidelity account number, either because the filer doesn't have it or because the ex-spouse doesn't yet have a qualifying Fidelity account. The receiving party must have an existing Fidelity IRA, HSA, or 529 before the transfer can occur. If no account exists, the ex-spouse must complete and submit a new account application alongside this form. Confirm the receiving account number in advance and include it accurately on the form.
When transferring specific securities in kind, filers often leave out the CUSIP or symbol, the number of shares, or the investment name, making it impossible for Fidelity to identify and process the transfer. Each security listed requires all three pieces of information: investment name, CUSIP or symbol, and number of shares (or 'ALL'). Incomplete entries will delay processing. Gather this information from your most recent account statement before completing the form, and consider using Instafill.ai to auto-populate securities data accurately.
The form explicitly instructs filers to use CAPITAL letters and black ink when completing it by hand, but many people use lowercase letters, blue ink, or pencil out of habit. Non-compliant handwriting can make the form difficult to scan or process and may result in rejection. If completing the form manually, use a black ballpoint pen and write all text in capital letters. Alternatively, type directly on screen to avoid this issue entirely.
Some divorce decrees specify transfers 'as of' a certain date, or require calculation of earnings, interest, or penalties, and filers copy these instructions directly onto the form. Fidelity explicitly states it cannot accept instructions requiring interpretation or calculations. Submitting such instructions will result in the form being returned. Work with your attorney or case manager to translate the decree's requirements into a fixed dollar amount, percentage, or specific share count before completing the form.
The form requires signatures and dates from both the account owner (relinquishing party) and the ex-spouse (receiving party), but it is common for only one party to sign, or for dates to be written in an incorrect format (e.g., MM/YYYY instead of MM/DD/YYYY). A missing signature from either party or an improperly formatted date will invalidate the form and delay the transfer. Ensure both parties sign in the designated fields and enter the date in the exact MM/DD/YYYY format specified. AI-powered form tools like Instafill.ai can flag missing signatures and enforce correct date formatting before submission.
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