This article covers how you can consolidate your Alto accounts so they can live under one login.
What is account consolidation?
Account consolidation is for investors who have more than one IRA with Alto and have separate emails to log into each. This feature allows you to move those IRAs to the email of your choice so that you can log in one time and access all of your IRAs.
How do I consolidate my accounts?
If you have accounts that are available to consolidate, navigate to the accounts dropdown and you will find the button to start your consolidation.
You will be asked to authenticate your other account so that you can move the IRA to your primary
Frequently Asked Questions
Will consolidation affect my tax status?
No - your assets will remain in the IRAs that they are currently held in. Consolidating your accounts will move each IRA and the assets held in them to a single log in.
What will happen to my old email?
The login for your old email will be disabled for security, and you will be unsubscribed from Alto email updates. You will continue to receive emails from Alto to your primary email address according to your preferences.
Can I consolidate my IRA with my spouses?
You cannot consolidate your IRA with your spouse. Each IRA is registered to the individual who opened it, and it cannot change owners as part of consolidation.
I was not able to consolidate my accounts - why?
Some investors have data in their accounts that we cannot move at this time. You may have investments in an integrated partner across two accounts that must remain separated, or you may have a profile set up with our Marketplace.
Will I be able to trade Crypto with multiple CryptoIRAs in the mobile app?
No, support for multiple accounts is not available on the mobile app at this time. We plan to provide trading abilities for multiple IRAs in the future.
What happens to my Coinbase wallet when I consolidate two crypto accounts?
Your Coinbase wallets will remain unchanged and stay in their designated accounts. Consolidation will simply link all your accounts to the same email, allowing you to manage them together with a single login
How does consolidation affect my billing?
If you consolidate multiple standard Alto IRAs, you will be billed under a single subscription based on the total invested capital across all of your Standard Alto IRA accounts.
If you consolidate multiple crypto IRAs, your billing will not change, as we do not currently charge a subscription fee for Crypto IRAs.
If you consolidate both standard and crypto accounts, you will be billed a single subscription only for the invested capital in your standard (non-crypto) accounts.
Want more info on pricing? Check out our pricing page here. (
Pricing - Alto )
Will my account numbers change after consolidation?
No, your account numbers will remain the same. Consolidation affects only your login credentials and email, not the structure of your accounts.
Will my transaction history be preserved after consolidation?
Yes, your transaction history for all accounts will remain accessible under your consolidated login.