You can roll over funds from certain retirement accounts into your 401(k) plan, even if you have not yet met your plan’s eligibility requirements. Rolling over funds into your 401(k) plan can help you consolidate accounts, simplify recordkeeping, and keep your retirement savings growing in one place.

Eligible Accounts for Rollover Into Your Ubiquity 401(k) Plan (Incoming Rollovers)

You may be able to roll funds into your Ubiquity 401(k) plan from the following account types (depending on your plan’s rules and your employer’s provisions):

  • 401(k) or other qualified retirement plan from a previous employer (includes Keogh, Multiple Employer Plans (MEPs), and Pooled Employer Plans (PEPs))
  • Traditional IRA or SEP IRA (tax consequences may apply—consult a tax professional)
  • 403(b) plan (commonly offered by schools and nonprofit organizations)
  • Governmental 457(b) plan (offered by state or local governments; check with your provider to confirm eligibility)
  • Pension accounts (defined contribution accounts such as Money Purchase or Defined Benefit balances)
  • SIMPLE IRA (only if you’ve participated for at least two years from the date of your first deposit)

Accounts Not Eligible for Rollover In Requests (Incoming Rollovers)

  • Roth IRAs are not permitted to be rolled into your Ubiquity 401(k) plan.

How to Start a Rollover In Request (Incoming Rollover)

You can begin a rollover either by using your online dashboard or 

Start Online

  1. Log in to account dashboard
  2. From the left navigation menu, select 401(k) > Roll Money In.
  3. Follow the on-screen instructions to:
  • Step 1: Identify and qualify your rollover
  • Step 2: Obtain the rollover funds from your prior provider
  • Step 3: Mail your rollover check to the address provided
  1. Once you know the final deposit amount, return to the Roll Money In page and click Get Started to report your deposit details.

Can I Request a Incoming Rollover Into the Plan (Incoming Rollover) If I Haven’t Met Eligibility Yet?

Yes, you may still roll funds into your plan before you meet the eligibility requirements.

    1. Request an incoming rollover form from our team by emailing us at info@myubiquity.com
    2. Complete and return the form.
    3. Once your rollover funds are received, they will be deposited under your name in the plan.
  • Your funds will be temporarily invested in your plan’s Qualified Default Investment Alternative (QDIA) until you are eligible and able to select your own investment options.
  • Until you meet eligibility, you cannot manage your investments or request withdrawals online.
  • If you need to take a distribution before you are eligible, you must request a paper distribution form from our team (via chat or email).

How to Obtain a Letter of Acceptance for a Rollover Into the Plan (Incoming Rollover)

  1. Some custodians (such as an IRA provider or former 401(k) plan administrator) may require a Letter of Acceptance before they will release your rollover funds.
  2. What It Is
    A Letter of Acceptance is a document from Ubiquity confirming that your 401(k) plan can accept rollover funds and meets IRS requirements.
  3. How to Request One
    Email us at info@myubiquity.com and include:
    • Name and mailing address of the resigning trustee (your prior provider)
    • Account type (e.g., 401(k), Traditional IRA, 403(b), SIMPLE IRA)
    • Account/reference number at your prior provider
    • Current company name (sponsoring your Ubiquity 401(k) plan)
  4. We typically provide the completed letter via email within 3–4 business days.

What Happens If You Don’t Complete the Rollover In (Incoming Rollover) Request Correctly?

  • If your rollover check is not made payable to the correct plan or mailed to the correct address, your funds may be returned to the original account, delaying your rollover.
  • Rolling in ineligible account types (like a Roth IRA or a SIMPLE IRA less than two years old) may create tax consequences or cause the rollover to be rejected.

Troubleshooting and Tips for Rollover In Requests (Incoming Rollovers)

  • Always confirm payee and mailing details inside your MyUbiquity account before instructing your prior provider.
  • Check whether your prior provider requires a Letter of Acceptance before initiating the transfer.
  • Consult a financial advisor or tax professional if you’re unsure about tax implications.

Need Help?

If you have questions, email us at info@myubiquity.com or chat 24/7 by clicking the chat icon after logging into your account.