There are many benefits to rolling over a retirement plan into Betterment. We'll use the "direct rollover" method to prevent any withholding or negative tax consequences for you. This entails your current provider sending us a check of your funds directly, for your benefit. 

To get started, go to the Transfer page of your account and click "Rollover".

You'll answer a couple questions, and receive an email with the full, personalized instructions (how the check should be made out and where it should be sent) to complete your rollover.

Please note that Traditional funds must be rolled over into a Traditional IRA and Roth funds must be rolled over into a Roth IRA. If you aren't sure which type(s) of funds you have, contact your current provider or HR representative. You can always convert a Traditional IRA into a Roth IRA after the rollover.

To see if your retirement plan is eligible to be rolled over into a Roth or Traditional IRA, please check the IRS Rollover Chart. You can also check out our guide to retirement plans

These instructions only apply if you'd like to roll your funds into a Betterment IRA. If you'd like to transfer funds into an existing Betterment 401(k) plan through your employer, please contact us at for separate instructions.