How do I rollover my 401(k) or 403(b)?

You can roll over funds from an existing employer-based retirement account, such as a 401(k) or 403(b), to your Composer IRA by following the steps below. Please be aware that this usually involves contacting your employer's retirement plan provider and requesting a rollover check.

How to Roll over a 401(k) or 403(b)

1. Open a Composer IRA (Traditional or Roth). Once the account is opened and approved, you will receive a Composer Account Number. 
2. Contact your employer’s retirement plan provider on your own or with Beagle (see below) and let them know you would like to do a rollover to your IRA.
3. Instruct them to make the check payable to:

3. Once you have your rollover check, you can mail it to our clearing firm for processing. It is recommended that you receive a tracking number when mailing your check to our clearing firm, Apex. You can mail or overnight your check to:

4. After mailing the check, please contact our team at help@composer.trade to ensure the rollover is processed without delay.

Please note that you have a 60-day window to move your IRA or retirement plan money into a different plan or IRA. You can generally only do one rollover per year from the same IRA and you can't roll the money back into the same account you rolled it over from within that same year. For more information please visit Rollovers of retirement plan and IRA distributions on the IRS website.

Rollover with Beagle

If you would like to use Beagle to assist you in contacting your employer’s retirement plan provider at step 2, head over to our special landing page on Beagle’s website here and begin entering your information. You will be prompted for your name, date of birth, and other information to locate your retirement accounts. After doing so, you can schedule a quick phone call with an expert from Beagle. During this call, Beagle will contact your employer’s retirement plan provider and assist you in rolling over your account.

If you have any questions about this process, please contact our us at help@composer.trade.

You are not required to use Beagle to roll over your retirement funds. This material is for informational purposes only and is not intended to be a substitute for consultation with a qualified tax professional before making decisions related to your retirement account(s).