How do I roll over retirement accounts into my Betterment 401(k) plan?

To complete a rollover into your Betterment 401(k), we use the direct rollover method to prevent any withholding or negative tax consequences. This involves your current provider sending us a check of your funds directly, for your benefit. In some cases, your provider may send the check to your address, which you can then forward to us.

Please note: If your plan contains mixed funds, you will need to follow the directions below twice - once for the Traditional portion of your rollover, and again for the Roth portion.

To initiate a rollover into your Betterment 401(k):

  1. Log in to Betterment from a web browser.
  2. Select “Transfer or rollover”.
  3. Choose “Rollover to Betterment”.
  4. Specify that you are moving a “Retirement account”, then confirm the retirement account type.
  5. Answer the prompts to provide details for generating a check payable and mailing instructions via a downloadable PDF Rollover Form.
  6. Follow the instructions on the form carefully, and mail the check to:

Regular mail:
Betterment 401(k)
PO Box 208435
Dallas, TX 75320-8435

For overnight delivery:
Lockbox Services 208435
Betterment 401(k)
2975 Regent Blvd, Suite 100
Irving, TX 75063

Note: The above addresses are for rolling over into a Betterment 401(k). If you are rolling over into a Betterment IRA, please refer to these mailing instructions.

You can access your rollover form within your Other Documents section.

Please contact us if you are unable to submit the rollover request within your Betterment account.