A clear plan for your 60-day 401(k) rollover.
Miss the IRS deadline and your distribution becomes ordinary income — on a $200K balance that's $35K+ in tax plus a 10% penalty if you're under 59½. nesthelm maps your custodian path, models the tax exposure, and tracks the deadline so you don't blow it. For $49.
~3 minutes · No account · Free preview
Same 60-day clock you're facing
Built around the IRS rule, your distribution date, and your custodian's actual forms.
$49 one-time
Free preview · 30-day refund · No subscription.
Custodian-specific
Fidelity, Vanguard, Schwab, Empower, Principal, T. Rowe Price, E*TRADE, Voya.
Custodian guides
What $49 buys
Eleven concrete deliverables, generated for your exact situation.
Not a generic IRS explainer. Every item below is personalized to your source custodian, destination, balance band, age, and distribution date.
Custodian-specific transfer playbook
5 ordered steps with day-by-day timing, customized for your exact source custodian (Fidelity, Vanguard, Schwab, Empower, Principal, T. Rowe Price, E*TRADE, or Voya) — not a generic IRS pamphlet.
Pre-call checklist
6 things to have in hand before phoning your custodian: account number, plan ID, recent statement, destination wire info, security-question answers, notepad. Reps verify every one — the call moves twice as fast when you don't have to scramble.
Custodian-rep call script
Pre-written opening, account-identification block, rollover request wording, and 3–5 follow-up questions for your specific custodian and destination. Copy-to-clipboard, take it to the call.
Day-by-day deadline timeline
Every action mapped to its due date, plus check-in reminders at 14, 7, 3, and 1 days before the IRS 60-day deadline. Visual urgency under 30 days. Calendar-export to Google or Apple.
Custodian-specific pitfalls
3 to 5 known gotchas for your specific custodian — Medallion stamp timing for Voya, NUA preservation for Fidelity employer stock, plan-specific forms for Principal, TDA migration quirks for Schwab.
Source-to-destination quirks
Pair-specific notes most guides miss: Vanguard Admiral mutual funds converting to ETFs at Fidelity, Fidelity FZROX liquidating to cash at Vanguard's mutual-fund-only platform, Schwab fractional-share liquidation, Empower's mandatory direct-rollover wording.
Roth conversion tax math + AMT exposure
If you pick Roth conversion: federal-bracket tax estimate at your balance band, AMT-trigger flag, and a partial-conversion recommendation. Educational ranges, not filing advice — confirms with a CPA.
Downloadable PDF + Word documents
Branded, take-it-to-your-custodian PDF and editable .docx of your full plan. Emailed automatically with your receipt. Also re-downloadable any time from your plan page.
Mark-your-progress step tracker
Each transfer step and checklist item has a 'Mark complete' button on your plan page. Progress persists per plan; see momentum on a real-time '3 of 5 steps complete' bar at the top.
60-day timer dashboard
Live countdown to your deadline, deadline-anchored email check-ins, and a private plan URL you can revisit until the window closes.
Confirmation tracker that closes the loop
Upload your distribution statement and we extract the date/amount via AI to verify against your plan. Forward your destination-custodian arrival email to track@nesthelm.com and we mark the rollover complete. Day-7/10/14 reminder emails keep you honest during the wait.
Why $49?
A CPA hour runs $200–$400. Missing the IRS 60-day window on a $200K 401(k) costs $35K+ in tax and a 10% early-withdrawal penalty if you're under 59½. $49 is the cheapest line item in the entire decision.
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