Fidelity 401(k) Rollovers
Rolling over a Fidelity 401(k)? You're already in the right neighborhood.
Element Squared custodies client assets at Fidelity — one of the largest custodians in the world. In many cases, rolling over your Fidelity workplace plan means your money never leaves Fidelity's platform. It simply moves from your employer's menu to a portfolio managed for you.
Why that matters
- Same-custodian transfers are typically simpler and faster than moving between institutions.
- You keep the Fidelity statements, website, and service infrastructure you already know.
- Your account gains a fiduciary advisor and a custom-built portfolio instead of a fixed plan lineup.
- We watch the details that trip people up — plan-specific funds that must be sold, company stock with net unrealized appreciation, and timing rules.
A note on honesty
Not every Fidelity 401(k) should be rolled over. Some plans carry institutional pricing worth keeping, and employer stock can have tax advantages a rollover forfeits. Our review starts with whether you should move at all — here's the full breakdown of your options.
How the process works
01
Review before anything moves
We analyze your current plan first — fund lineup, fees, employer stock, withdrawal rules — and confirm a rollover actually benefits you.
02
Open the receiving IRA
If a rollover makes sense, we open your IRA. Because Fidelity is our primary custodian, a Fidelity workplace plan typically transfers within the same institution.
03
Request the direct rollover
We coordinate the direct rollover with the plan so funds move trustee-to-trustee — no check made out to you, no tax withholding surprise.
04
Invest with a plan
Your money lands in a portfolio built for your goals and risk tolerance — individual stocks and ETFs, not a one-size model.
Get a clear read on your Fidelity 401(k)
Free review, no obligation. We'll tell you whether a rollover helps — and if it doesn't, we'll tell you that too.
Start Your Free Rollover Review