Funding Your Account
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      Fund Your Alto IRA with IRA Transfers

      A step-by-step walkthrough to help you initiate an IRA Transfer (or Trustee-to-Trustee Transfer) from another retirement account in your Alto dashboard.

      IN THIS ARTICLE: 

      Initiate an IRA Transfer  in Your Alto Dashboard

      IRA Transfer Timeline

      Cancel an IRA Transfer

      In order to initiate an IRA Transfer in your Alto dashboard, you'll need the following information/items:

      • Account number for the transferring account
      • A PDF version of your most recent account statement of the transferring account
      • Access to a printer for a wet signature

      Initiate an IRA Transfer in Your Dashboard

      • Log into your Alto account and select Transfer Funds from the top of your dashboard
      • Select Into Alto  from the drop-down menu

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      • Select IRA Transfer

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      • Start the Transfer

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        • Select the type of retirement account of your transferring account from the Account Type dropdown menu
        • Select the name of the custodian of your transferring account from the Transferring Account dropdown menu

        Tip: If you do not see your custodian's name, then you can select Other from the Transferring Account drop-down menu. You'll be asked to provide us with the name later in the process.

          • Enter the account number of your transferring account in the box underneath Account Number
          • Select the amount you'd like to transfer from the Transfer Amount dropdown menu

        Note: If you select Just transfer a specific cash amount, then you'll be prompted to enter the amount underneath the Cash Amount box when it appears.

          • Select the delivery method for your rollover, check or wire, from the Delivery Method drop down menu
          • Click Continue

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        • Review & Sign
          • Review the information of your rollover to make sure everything is correct. 
            *If you need to make changes, then you can click the Make Edits link under the Confirm & Sign button at the bottom
          • Type in your name by the Sign Here arrow exactly as indicated in the bolded text below the signature box. 
          • Click Confirm & Sign
        • Complete the Paperwork
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          • Click Review & Sign under the Transfer of Assets Request section
          • Click Ok when the This is not legally binding message pops up
          • Click the blue Get Started button at the top right of the HelloSign form 
          • Click the Click to Sign field, create your signature, and click Insert
          • Click the blue Continue button at the top right of the HelloSign form, then click I Agree when it pops up
          • Click Close when the Thanks for submitting your document! message appears
          • When you're back to the Complete the Paperwork page, add an account statement by clicking the Upload button under Statement Summary section
          • Select the PDF file of your most recent account statement of your transferring account and click Open
          • Once you have a check mark under Transfer of Assets Request and Statement Summary sections, click Save & Continue at the bottom
        • Wet Signature Required
          • Click to print your Transfer of Assets Request form
          • Once it's printed out, use black ink to apply a wet signature in the Wet Signature Required box on the form
          • Scan your form and make sure it's a PDF file
          • Go back to the Wet Signature Required page in your funding flow on our website and upload your scanned PDF file
          • Click Submit and you're done!

        IRA Transfer Timeline

        If you've completed the initiation process in your Alto dashboard, then please allow 5 -10 business days for wire or 10 - 20 business days for checks before the new funds will be available in your Alto account. This timeline does take into consideration the transferring custodian's processing time as well.

        Cancel a Direct Rollover 

        If you haven't completed the initiation process in your Alto dashboard, then please contact our support team to cancel the IRA transfer. If you've received confirmation from our team that the transfer request has been sent to your transferring custodian, then please contact your transferring custodian to cancel the request on their end. 

         

        If you have any questions, please reach out to us: