Yes! You can use AI to fill out Vanguard Phillips 66 Savings Plan Rollover Contribution Request
This form facilitates the rollover of retirement assets from a prior employer's plan (such as a 401(k) or 403(b)) or an IRA into the Phillips 66 Savings Plan, which is administered by Vanguard. It is crucial for consolidating retirement savings into a single account, simplifying management and tracking. 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: | Vanguard Phillips 66 Savings Plan Rollover Contribution Request |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out T44540 Online for Free in 2026
Are you looking to fill out a T44540 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your T44540 form in just 37 seconds or less.
Follow these steps to fill out your T44540 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Vanguard Rollover Contribution Request form.
- 2 Use the AI assistant to accurately fill in your Personal Information in Section I, including your name, Social Security Number, and address.
- 3 Complete Section II by specifying the rollover amounts for pre-tax, after-tax, and Roth funds, ensuring you have the required documentation from your prior plan's record keeper.
- 4 In Section III, select the type of plan from which you are rolling over the funds (e.g., Qualified Plan, 403(b), IRA).
- 5 Detail your Investment Election in Section IV by either choosing your current fund allocations or specifying new percentages for various funds, ensuring the total allocation is 100%.
- 6 Carefully read the certifications in Section V, then electronically sign and date the form to authorize the rollover request.
- 7 Review the entire form for accuracy before downloading and mailing it with the required check to the Vanguard address provided in the Mailing Instructions.
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 T44540
This form is used to transfer retirement funds from a previous employer's plan (like a 401(k) or 403(b)) or an IRA into your Phillips 66 Savings Plan account managed by Vanguard.
You should complete this form if you are a participant in the Phillips 66 Savings Plan and wish to consolidate retirement assets from a prior plan or IRA into your current account.
Payment must be made by an employer or institutional check, a cashier's check, or a money order. Personal checks are explicitly not accepted.
The check must be made payable to: 'Vanguard Fiduciary Trust Company FBO "Your Name", last 4 digits of Social Security Number'. You must include your own name and the last four digits of your SSN.
You must provide documentation from your prior plan's record keeper that confirms the cost basis and start date for Roth assets, or the cost basis for after-tax assets. Your rollover will not be processed without this documentation.
No, the form states that assets from a Roth IRA cannot be rolled into this plan. You can, however, roll over Roth assets from a qualified employer plan like a Roth 401(k).
If you fail to complete the investment election section, your rollover contribution will be automatically invested in the Vanguard Target Retirement Trust that is appropriate for your age.
Mail the form and check to the Vanguard address in El Paso, TX, as specified in the 'Mailing Instructions' section. There are separate addresses provided for standard U.S. Mail and for overnight delivery.
Yes, if you are rolling over from a SIMPLE IRA, you must certify that at least two years have passed since the date the first contribution was made to that SIMPLE IRA account.
For assistance, you can call a Vanguard Participant Services associate at 800-523-1188, Monday through Friday, between 8:30 a.m. and 9 p.m. Eastern time.
A direct rollover is when your old plan sends the money directly to Vanguard. An indirect rollover is when you receive the check yourself and must deposit it into the new plan within 60 days to avoid tax penalties.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your personal information, which can save you time and help reduce errors.
You can upload the PDF to the Instafill.ai platform, which makes the form interactive. You can then type your information, sign electronically, and download the completed document for submission.
If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai. It can convert the document into an interactive, fillable form so you can easily type in your information.
Compliance T44540
Validation Checks by Instafill.ai
1
Social Security Number Format and Completeness
This check ensures the Social Security Number field is not empty and follows the standard XXX-XX-XXXX format. The SSN is a critical unique identifier for matching the rollover to the correct participant account. A missing or malformed SSN will prevent the system from processing the request and requires manual intervention.
2
Personal Information Completeness
Verifies that all fields in the 'Personal Information' section (Name, Address, City, State, Zip, Date of Birth, Date of Hire) are filled out. Complete information is essential for participant identification, regulatory compliance, and future communications. An incomplete form will be rejected pending the addition of the missing data.
3
Date of Birth Validity
Ensures the 'Date of Birth' is a valid calendar date in MM/DD/YYYY format and represents a plausible age for a plan participant (e.g., over 18 years old). This validation prevents data entry errors and confirms the participant meets the minimum age requirements for holding a retirement account. An invalid date would cause the submission to fail.
4
Logical Date Consistency (Hire vs. Birth)
This check confirms that the 'Date of Hire' is chronologically after the participant's 'Date of Birth'. This is a logical consistency check to catch obvious data entry errors. A hire date that precedes a birth date is impossible and would indicate a significant error on the form, requiring correction before processing.
5
Rollover Amount Summation
Validates that the individual amounts for pre-tax, after-tax, and Roth rollovers correctly sum up to the value entered in the 'Total amount of my rollover' field. This ensures the mathematical accuracy of the rollover request and prevents discrepancies in fund allocation. If the amounts do not add up, the form will be flagged for review and correction.
6
Total Rollover Amount Presence
Ensures the 'Total amount of my rollover' is a positive, non-zero value. A rollover request with a zero or negative total amount is not a valid transaction. This check acts as a gatekeeper to ensure that only legitimate requests with funds to be moved are processed.
7
Conditional Roth Information Requirement
If the 'amount of my Roth rollover' is greater than zero, this validation ensures that the 'Roth cost basis' and 'Roth start date' fields are also filled. This information is required by the plan and the IRS for proper tax tracking of Roth assets. Failure to provide this required documentation will halt the processing of the Roth portion of the rollover.
8
Conditional After-Tax Basis Requirement
If the 'amount of my after-tax rollover' is greater than zero, this check verifies that the 'after-tax cost basis' field is also populated. The cost basis is necessary to correctly track the non-taxable portion of the funds. As noted on the form, missing this information will prevent the after-tax rollover from being completed.
9
Prior Plan Type Selection
Verifies that exactly one option ('Qualified Plan', '403(b)', 'Governmental 457', or 'IRA') is selected in the 'Prior Plan Type' section. This selection is critical as it determines the rules and certifications that apply to the rollover. A missing or multiple selection makes the source of funds ambiguous and will cause the form to be rejected.
10
IRA Rollover Source Restriction
Based on the employee certifications, this check ensures that if 'IRA' is selected as the 'Prior Plan Type', the amounts for both 'Roth rollover' and 'after-tax rollover' are zero. The plan rules explicitly forbid rolling over Roth IRA assets or after-tax funds from a traditional IRA. A violation of this rule would result in an improper rollover and rejection of the form.
11
Investment Allocation Total Percentage
If the participant opts to choose new fund allocations, this validation confirms that the sum of all specified allocation percentages equals exactly 100%. This ensures the entire rollover amount is invested according to the participant's wishes, leaving no funds unallocated. A total other than 100% will require the participant to correct their elections.
12
Investment Allocation Increments
This check ensures that if new investment allocations are specified, each individual percentage is a whole number (i.e., an increment of 1%). The system requires whole percentages for fund allocation and cannot process fractional values. Any entry with a decimal will be flagged as an error.
13
Authorization Signature and Date
Verifies that the 'Signature of Participant' and 'Date' fields in Section V are both completed. The signature legally authorizes the transaction and certifies the accuracy of the provided information, while the date establishes when the authorization was given. A missing signature or date invalidates the entire request.
14
Contact Phone Number Format
Validates that the 'Contact Phone #' is a valid 10-digit telephone number, accommodating various common formats like (XXX) XXX-XXXX or XXXXXXXXXX. A valid phone number is crucial for participant services to contact the individual if there are questions or issues with the rollover request. An invalid format could hinder communication and delay processing.
Common Mistakes in Completing T44540
This occurs when the sum of the pre-tax, after-tax, and Roth amounts in Section II does not equal the 'Total amount of my rollover' field. This simple math error leads to processing delays as Vanguard must contact the participant to clarify the discrepancy. To avoid this, double-check your calculations before submitting; AI-powered tools like Instafill.ai can prevent this by auto-calculating the total field based on the individual amounts entered.
The form explicitly requires documentation from the prior record keeper to verify the cost basis and start date for any Roth or after-tax funds. Participants often overlook this and submit the form without the necessary attachments. This is a critical error, as the form states the rollover will not be completed without this documentation, causing significant delays until the correct papers are provided.
In Section IV, if choosing new fund allocations, the sum of all percentages must equal exactly 100%. People frequently make small math errors, resulting in a total that is over or under 100%, which invalidates the investment direction. This forces the contribution into the default Target Retirement Trust, which may not align with the participant's investment strategy.
Forgetting to sign and date the form in Section V is one of the most common and easily avoidable mistakes. An unsigned or undated form is legally invalid and cannot be processed, requiring Vanguard to return it and delaying the entire rollover. Always perform a final review of the form, paying special attention to the signature line, before mailing it.
The form provides very specific instructions for how the rollover check should be made payable: 'Vanguard Fiduciary Trust Company FBO "Your Name", last 4 digits of Social Security Number.' Participants may abbreviate the name or forget to include their own name and SSN details. An incorrectly written check will be rejected, forcing the participant to request a new check from their prior plan administrator and causing major delays.
The instructions clearly state that 'Personal checks are not accepted' and that payment must be by an employer check, cashier's check, or money order. Some individuals miss this detail and send a personal check, which will be returned. This mistake halts the rollover process until a valid form of payment is received, potentially causing the participant to miss the 60-day indirect rollover window.
In Section III, participants must select the type of plan the funds are coming from. People are often unsure of their prior plan's official designation and may guess incorrectly, for example, confusing a 401(k) with an IRA. This is a critical error because rollover rules, especially concerning after-tax contributions, differ significantly between plan types and can lead to an improper rollover with adverse tax consequences.
When rolling over Roth or after-tax money, the form requires the 'Roth cost basis,' 'after-tax cost basis,' and 'Roth start date.' Participants may leave these fields blank or enter estimated figures if they don't have the documentation from their prior plan. This will halt the processing of the Roth/after-tax portion of the rollover and can lead to incorrect tax tracking of your funds in the new plan.
Section IV presents two mutually exclusive options: investing using current allocations or choosing new ones. A common mistake is to check the box for 'use my current fund allocations' while also filling in percentages for new funds. This creates ambiguity for the processor, which may lead to delays or an investment in the default fund, overriding the participant's intended choice.
If the rollover is 'indirect' (the participant received the check directly), they must certify that the contribution is being made within 60 days of receiving the funds. Participants may sign Section V without realizing they are outside this window, which invalidates the rollover. An invalid indirect rollover is treated as a taxable distribution and may be subject to a 10% early withdrawal penalty, resulting in significant, unexpected tax liabilities.
Since this form is a non-fillable PDF that must be printed and completed by hand, illegible handwriting is a frequent problem. Unclear numbers in the Social Security Number, rollover amounts, or investment allocations can be misread, leading to processing errors. To avoid this, write as clearly as possible; alternatively, tools like Instafill.ai can convert flat PDFs into fillable forms, allowing you to type your information for perfect clarity.
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