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How do I transfer an existing asset into my AET account?

Transferring an existing asset into your American Estate & Trust (AET) Self-Directed IRA (SDIRA) requires specific steps to ensure compliance with IRS regulations and AET policies. Below is a step-by-step guide to completing the transfer process.

Eligible Asset Transfers

You can transfer various assets into your AET SDIRA, including:

  • Cash (for funding investments)
  • Real Estate (residential, commercial, or land)
  • Private Placements (equity or debt investments)
  • Precious Metals (gold, silver, platinum, palladium)
  • LLC Interests (membership in limited liability companies)
  • Private Loans (issued to individuals or companies)
  • Private Stock (non-publicly traded shares)

Note: Some assets, such as cryptocurrency, may have specific restrictions.

Step-by-Step Transfer Process

1. Submit Asset Documentation for Approval

  • Before initiating a transfer, submit supporting documentation for all assets (except cash) to transfers@aetrust.com for review.
  • Documentation should include asset descriptions, valuations, statements, and any relevant agreements.

2. AET Asset Review & Approval

  • AET will assess the documents to confirm that the asset complies with SDIRA regulations.
  • If approved, AET will communicate the decision to the account holder or their advisor.

3. Complete & Submit the Transfer Request Form

  • After approval, complete the AET Transfer-In Request Form with details about the asset.
  • Create a Transfer-In Review in the AET Online Portal, upload the signed request form, and provide any additional required documents.
  • If required by the current custodian, obtain a Medallion Signature Guarantee.

4. AET Sends the Transfer Request to External Custodian

  • AET submits the transfer request to the external custodian to initiate the asset movement.
  • A Letter of Acceptance (LOA) may be generated if required by the current custodian.
  • The asset is added to your AET account with a “Waiting for Receipt” status.

5. Asset Receipt & Processing

  • Once the asset documentation has been received, AET verifies ownership and updates your SDIRA.
  • Confirmation of the transfer is provided upon request.
  • The asset status will be changed to “Received” in your account.

Compliance Considerations

  • Prohibited Transfers: Assets involving disqualified persons or prohibited transactions will not be accepted.
  • Titling Requirements: Assets must be titled in the name of the SDIRA (e.g., Client Name, legal owner via non-trust custodial IRA with AET).
  • Prohibited Custodians: AET does not accept transfers from Pacific Premier Trust or Pensco.

Monitoring & Support

Regularly check the transfer status in the AET Online Portal and promptly respond to any requests for additional information. If you have questions, contact AET Support for assistance.