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Industry trends, product updates, and perspectives on the future of retirement transfers.
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Industry trends, product updates, and perspectives on the future of retirement transfers.
Explore the quickstart guide or request sandbox access to start building on TrustRails
For savers, forgotten 401(k)s are lost money. For the recordkeepers, custodians and IRA providers holding 31.9 million of them, they are missing participants, uncashed checks and force-out IRAs that shrink. Why auto-portability covers only part of it, and a playbook for stopping accounts being left behind at the job change.
Who the check is payable to decides whether 20% goes to the IRS before you see a dollar. The rules behind a direct rollover, what happens when you miss the 60-day deadline and how to get it waived, when the one-per-year limit applies, and why a check made out to your custodian is a tax win but still an envelope.
An estimated 31.9 million 401(k) accounts have been left at former employers. How to find an old 401(k), what happens to small balances and safe harbor IRAs, how to move the money safely, and the infrastructure fix that would stop accounts being forgotten.
From 2027, Treasury will deposit Saver's Match contributions of up to $1,000 a year into retirement accounts. IRS Notice 2026-48 says how the money might be routed; two of its paths to employer plans are rollovers. Why they should use the Notice 2026-49 forms, identifier and data set — and one registration.
The IRS has proposed optional sample forms and a five-step, plan-to-plan procedure for direct rollovers. Here is what the Notice actually says, what is proposed versus final, and why the procedure is instantly recognizable to anyone who has built payment infrastructure.
Navigate the evolving DOL fiduciary landscape — from PTE 2020-02 documentation requirements to practical compliance checklists for TPAs handling 401(k) rollovers.
What security teams need to know when evaluating rollover providers — from Trust Services Criteria mapping to the 25 questions you should ask every vendor.
Discover how blockchain technology makes your 401k transfer faster, safer, and more transparent—without adding complexity to your experience.
A comprehensive guide to the security measures, verification processes, and blockchain technology that protect your retirement savings during every phase of your transfer.
Smart contracts transform multi-party 401k coordination from weeks-long manual processes into automated, transparent transactions that complete in minutes, eliminating billions in lost returns.
Discover how TrustRails' sophisticated hybrid blockchain architecture solves the privacy-compliance paradox, protecting sensitive financial data while maintaining regulatory transparency.
Transform your most expensive, error-prone process into your greatest competitive advantage. Learn how TrustRails converts 401k transfer operations from cost centers into profit centers.
A comprehensive guide to the modern 401k transfer experience, from initiation to completion. Learn how technology eliminates traditional pain points.
Deep dive into our comprehensive AML/KYC compliance framework, automated monitoring systems, and how we maintain regulatory adherence across jurisdictions.
Enterprise-grade protection for 401k transfers through formal verification, multi-signature governance, and comprehensive security architecture.