For Retirement Plan Advisors
Keep Your Plan Rollovers
When participants leave one of your 401(k) plans, their money usually goes to whoever is easiest. With AET, the easiest option is an IRA that stays with you.
Why Rollovers Walk Out the Door
Account Minimums
At a 1% fee, a $40,000 rollover pays about $400 a year, but it takes about the same work to open and service as a $400,000 one.
Too Much Paperwork
Participants who have to print, sign, and mail forms often pick a retail app instead.
Nobody Answers
When a plan terminates, some participants never reply, and their accounts still have to leave the plan.
Step by Step
You add your plan once. After that, every participant who leaves has a place to go.
Every Account in One Portal
The AET Business Portal is fully white-labeled and shows every rollover and safe harbor IRA from every plan you advise. See who has opened an account, which rollovers are still in transit, and which safe harbor accounts have been claimed.
- Fully white-labeled under your firm's brand
- Your whole rollover book in one place
- Real-time rollover and funding status
- Digital onboarding with e-signatures
- Role-based access for your team
- Statements, tax forms, and audit trails on demand
Low-Cost Models, Plus Alternatives When Clients Want Them
Low-cost model portfolios cover the core of most rollover accounts, so smaller balances are simple to invest and manage. When a client wants more, AET can also hold alternative assets inside the same IRA.
- Low-cost model portfolios for the core of the account
- Real estate, private placements, private credit, and venture funds
- Traditional and Roth IRAs
- One custodian for both the models and the alternatives
Your Data in Your Reporting, Through Morningstar ByAllAccounts
AET sends account data to Morningstar ByAllAccounts. If your reporting or portfolio management platform pulls from ByAllAccounts, your rollover IRAs show up there next to the rest of your book.
- Balances, positions, and transactions for each rollover IRA
- Reported the same way as your other custodial accounts
- Review accounts in the system you already use, with no extra login
- Connect your firm once, and every new rollover flows through
For Recordkeepers and Platforms, the Trust API
Recordkeepers and retirement platforms that want to automate rollovers can connect directly to AET through our Trust API. Open IRAs, move rollover data, and pull reporting from inside your own system.
- Open rollover and safe harbor IRAs by API
- Send participant files in bulk
- AML and KYC results returned as structured responses
- Statements, tax forms, and audit trails on demand
- Sandbox and full documentation
Why Advisors Use AET
We are a Nevada-chartered trust company, regulated by the Nevada Financial Institutions Division. We hold IRAs for advisors and their clients every day.
- Keep assets from the plans you already advise
- Low-cost model portfolios, plus alternative assets most rollover IRA programs can't hold
- Online onboarding makes accounts below your usual minimum worth opening
- When a plan terminates, nonresponsive participants go to a safe harbor IRA so the plan can close
- Old 401(k)s found through Beagle roll into the same IRA
- SOC 1 Type II and SOC 2 Type II audited controls
- You work with the same team from setup through every rollover
Rollover and Safe Harbor IRAs for Plan Advisors
Keep the Assets You Already Advise
