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Follow the step-by-step rollover process

You'll have some decisions to make, but we'll be there to help.

We hope you say, "That was easier than I thought!"

Although rollovers typically take about 2 to 3 weeks, you'll only spend about 20 to 30 minutes getting the process started. That's because once you're set up, we'll handle most of the remaining details.

A guide to your 401(k) rollover

Follow these steps to roll over your retirement savings.

Step 2

Call the financial company holding your 401(k)

You'll need to:

  • Find out the company's rollover requirements.
  • Ask them to make the check payable to:
    Vanguard Fiduciary Trust Company
    FBO [your name]
  • Have the check mailed to:
    P.O. Box 982901
    El Paso, TX 79998-2901

Note: If the check is made payable to you instead of Vanguard, mail it to Vanguard within 60 days to avoid paying potential taxes and penalties on your savings. Please endorse the check. Additionally, if the check is already made payable to Vanguard, please do not endorse the check.

Step 3

Watch for your confirmation

Once we receive the check, we'll immediately invest the money in the funds you've selected and send you a confirmation.

You may also receive a reminder to name beneficiaries for your IRA.

Start your rollover online

We're here to help

Personal Investors

Employer-plan participants



If you're interested in a Vanguard Brokerage IRA, please call us.