6 Factors That Could Delay Your Direct Rollover to a Self-Directed IRA

Aug 12, 2018

Qualified retirement plans that were sponsored by a previous employer can be rolled to a Self-Directed IRA in a few easy steps. However, there are a few minor factors that can delay your rollover. Take a look at the tips below to ensure your direct rollover is not delayed so you can make the investments you know and love using your new Self-Directed IRA as quickly as possible.


1: Rollover Rules by Account Type

Before you proceed with a direct rollover from your current employer plan (e. a 401K Plan, Profit Sharing Plan, Deferred Compensation Plan), review the IRS’s Rollover Chart and speak with your tax professional to ensure you can roll your account type to a Self-Directed IRA.


2: Liquidation of Publicly Traded Assets

If you are currently invested in publicly traded assets (i.e. stocks or mutual funds), you will need to sell or “liquidate” those current holdings before requesting the rollover to be processed. This sale or liquidation allows the current Custodian or Administrator to send funds in the form of a check or wire to your Self-Directed IRA at Provident Trust Group.


3: Outstanding Fees

It is important to ensure that your current retirement account does not have any outstanding fees or termination fees before requesting the direct rollover to a Self-Directed IRA. If there are outstanding fees that need to be collected, they may reject the direct rollover request. Alternatively, they may also deduct the past due balance from the amount you requested, causing an amount less than you requested to be rolled into your Self-Directed IRA.


4: Correct & Complete Forms

This may sound minimal, but we have seen many requests get rejected by other Custodians and Administrators due to minor problems or missing items on forms. Every company has a unique form and different requirements for requests. You should always review the form and run it by your representative at your current Custodian or Administrator to ensure you are not overlooking anything. Every required field needs to be completed and all signatures should be dated within the last 30 days to avoid delays.


5: Communication & Follow Up

After you have submitted your rollover request to your current Custodian or Administrator, review your account online with them to monitor the status of the rollover. If you do not see any movement of assets or funds by the 5th business day, it is best to contact them to ensure they received the request and that nothing is incorrect or missing with your request. Continue to keep consistent communication with your current Custodian or Administrator, and follow up weekly if you continue to see no movement to Provident Trust Group.


6: Rollover Certification Form

To certify that the rollover to Provident Trust Group is a qualified rollover, we will need you to complete the Rollover Contribution Form and submit it to when the check or wire is in route to us from your previous Custodian or Administrator. Once the funds arrive at Provident Trust Group, we can then promptly and accurately allocate them as a rollover contribution to your Self-Directed IRA. If the Rollover Certification Form is not remitted to us timely, this can delay your investment selection and processing.


Always consult with your tax professional before proceeding with any type of rollover to ensure you choose the method that is best for you. You can review additional rollover tips here.

Please Note: Provident Trust Group and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.


Our Self-Directed IRA allows you to invest in what you want, when you want. The investment possibilities are endless.

Discover the power of true self-directed investing

Our Self-Directed IRA allows you to invest in what you want, when you want. The investment possibilities are endless.

The Difference Between a Transfer and a Rollover

There are many ways to fund your IRA, whether it is done as a transfer, rollover, or contribution. Often the words “transfer” and “rollover” are used interchangeably; however, there are differences between the two terms. In this article, we will explore the key...

Real Estate Investing with Retirement Funds: the Good, the Bad, and the UDFI

Today’s savvy investors are looking to tap into their retirement funds to invest into the lucrative real estate market. Whether they want the steady income and appreciation of a rental property, or a quick fix and flip, it’s easy to see why real estate is such an...

Direct Your Retirement

As an owner of a Self-Directed Individual Retirement Account (SDIRA), the necessity of investing is crucial in order to reach your ideal account potential. Whether your investments are in promissory notes, real…

What to consider with Self-Directed Retirement

Is your goal to enhance and improve the overall performance of your retirement? Do you often wonder how you can access additional capital for investments? A self-directed retirement account may provide you with added benefits to take your financial goals to the next...

The Key Differences Between Wills and Trusts

When discussing estate planning, a will is what most people think of first. Indeed, wills have been the most popular method for passing on assets to heirs for hundreds of years. But wills aren’t your only option…

Real Estate and Self-Directed Individual Retirement Accounts

Did you know you could benefit from your real estate investments while growing your retirement account in a tax-deferred status? It sounds almost too good to be true but since 1974, when the Employee…

Do you Have Questions? Let us know!

Existing Clients
(888) 855-9856

Future Clients
(888) 662-0869


With more than 34,000 clients in all 50 states, our elite team of professionals is the premier choice. We offer highly personalized service tailored to your needs, transforming your financial future.



8880 W. Sunset Rd.,
Suite 250
Las Vegas, NV 89148



(702) 253-7565



Monday - Friday
6AM - 4PM (PST)


Provident Trust Group, LLC is a BBB Accredited Management Consultant in Las Vegas, NV