Funding Your Account
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      Fund Your Alto IRA with Rollovers

      This article explains how to fund your Alto IRA using a rollover—a method of moving money from one retirement account to another without triggering taxes. It includes step-by-step instructions for both direct rollovers and indirect (60-day) rollovers

      Initiate a Rollover with Your Transferring Custodian

      To start a rollover into your Alto IRA, you’ll need to contact your current retirement account provider (your transferring custodian) and request that they send your funds to Alto.

      What to Tell Your Custodian

      When requesting the rollover, provide:

      • Your Alto IRA account number

      • The type of IRA you’re funding (e.g., Traditional, Roth, SEP)

      • The check payee and mailing instructions below

      How the Check Should Be Made Out

      Ask your custodian to make the check payable to:
      AltoIRA, FBO [Your First and Last Name]

      Include your Alto account number in the memo line.

      Where to Send the Check

      For standard mail (USPS):
      AltoIRA
      PO Box 1141
      Indianapolis, IN 46206

      For overnight delivery (FedEx, UPS, etc.):
      AltoIRA
      500 11th Ave N., Suite 790
      Nashville, TN 37203

      Be sure the check is sent to the correct address based on the mailing method. Using the wrong address may delay the deposit of your funds.

      Indirect (60-Day) Rollover Timeline

      An indirect rollover happens when you receive a distribution from a retirement account (like a 401(k) or IRA) and deposit those funds into your Alto IRA yourself. To qualify under IRS rules, the full amount must be received by Alto within 60 calendar days of when you received the funds.

      Important:

      • Funds must come from your personal bank account

      • Checks only — Alto does not accept wires for 60-day rollovers

      • The memo line of your check should include:
        “60-Day Rollover” and your Alto account number
        Example: 60-Day Rollover, #123456

      • The IRS allows only one 60-day rollover per 12-month period

      Processing Timeline:

      • Allow 10 business days for your check to arrive after being mailed

      • Once received, Alto applies a 4-business-day hold before funds are allocated to help prevent chargebacks

      How to Cancel a Rollover

      If the Rollover Has Not Been Sent

      Contact your transferring custodian to cancel the request.

      If the Check Has Already Been Sent

      Contact Alto Support immediately to request that the check not be deposited. If it has already been processed, cancellation may not be possible.

      Contacting Support

      If you have any questions or need help with your rollover, our team is here to assist you.

      You can reach Alto Support by:

      We’re happy to help you at any step of the rollover process.