Each brokerage house is different in how they classify their investment-only accounts and applications can update at any time. We have made our best efforts to provide you the most up to date applications here, but please check with Fidelity to ensure you have the right application to open an investment-only brokerage account under your Solo 401k plan and trust.

It's important to remember you're not opening a Fidelity 401k. Rather, your 401k plan and trust are opening an investment-only account with Fidelity.

Fidelity calls these types of accounts "non-prototype retirement accounts" and they are designed to work with your Solo 401k.

Review our helpful guide on opening a Fidelity account
For Your Solo 401k

Open Fidelity investment account: No rollovers

If you're simply opening the new investment-only account with Fidelity to get into traditional equities, then your work is done! Fund your Fidelity account with new contributions, calculated from your business income and you're ready to go!

Complete the non-prototype plan application:  Download application here

Include your full Adoption Agreement and your full trust document. These documents can be found in your 401k documents, located on your 401k dashboard.

Note: It is not required you fund the account when submitting the non-prototype retirement account application. 

Mail your application along with your full Adoption Agreement and full Trust Agreement to Fidelity at:
Fidelity Investments, P.O. Box 770001, Cincinnati, OH 45277-0036.

If you're opening the new investment-only account with Fidelity so you can transfer funds from a pre-existing Fidelity IRA or Fidelity 401k account, the please follow the transfer/rollover tips below.

There are different procedures for rolling in IRA funds or 401k funds. Let's cover rolling in IRA funds first.

Open Fidelity investment account: Rolling Over from a Fidelity IRA

  1. Open a non-prototype retirement account (application here). Include your full Adoption Agreement and your full trust document. These documents can be found in your 401k documents, located on your 401k dashboard.
  2. Complete the Fidelity IRA one-time withdrawal form (click here to open form)
  3. Complete the form to transfer between existing Fidelity accounts (transfer form here
  4. Personalize, complete and sign the rollover acceptance sample template (template sample found here): If you use this template, be sure to update the information in red to reflect your information. This simple document lets Fidelity know you are accepting the rollover as the 401k plan administrator.

Mail your application along with your full Adoption Agreement and full Trust Agreement to Fidelity at:
Fidelity Investments, P.O. Box 770001, Cincinnati, OH 45277-0036.

Note: It is not required you fund the account when establishing the non-prototype retirement account. Additionally, you can submit your transfer documents rolling over funds while you establish the new non-prototype retirement account.

What the above steps will accomplish is opening a new non-prototype retirement account, withdrawing the funds from the Fidelity IRA, transferring them to the new non-prototype retirement account with Fidelity and then accepting the rollover as your own plan administrator

Open Fidelity investment account: Rolling Over from a Fidelity 401k

  1. Open a non-prototype retirement account (application here). Include your full Adoption Agreement and your full trust document. These documents can be found in your 401k documents, located on your 401k dashboard.
  2. Complete the 401k rollover online in your Fidelity portal
  3. Complete the form to transfer between existing Fidelity accounts (transfer form here
  4. Personalize, complete and sign the rollover acceptance sample template (template sample found here): If you use this template, be sure to update the information in red to reflect your information. This simple document lets Fidelity know you are accepting the rollover as the 401k plan administrator.

Mail your application along with your full Adoption Agreement and full Trust Agreement to Fidelity at:
Fidelity Investments, P.O. Box 770001, Cincinnati, OH 45277-0036.

If you have any questions on completing your non-prototype retirement account application, please contact Fidelity at (800) 544-6666.

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