What is an account or setup Issue, and how do I clear it?

Managing Setup Issues for Your Self-Directed IRA (SDIRA)

When managing your Self-Directed IRA (SDIRA) with American Estate & Trust (AET), you may encounter an account or setup issue that requires your attention. These issues arise when additional information or documentation is needed to process a transaction or ensure compliance with regulatory requirements.

How Do I Know If I Have a Setup Issue?

If a setup issue has been placed on your account, you will be notified in two ways:

• Toast Message Notification: When you log in to your AET online account, a pop-up message will display the setup issue and the required action.

• Red Exclamation Mark Indicator: A red exclamation mark will appear next to your account number in the online portal. You can hover over this symbol to view details about the issue.

Common Setup Issues and How to Resolve Them

Below are some of the most common setup issues and the steps to clear them:

1. Need to Know Purpose of Funds
   If incoming funds are unclear, provide supporting documents to verify their source and intended use. This may include a contribution form, rollover certification form, or documentation linking the funds to a specific asset.

2. Need Rollover Certification
   Provide a completed rollover certification form to confirm the source of incoming funds.

3. Change of Address – Need Physical Address
   Submit a change of physical address request in the online portal along with a current utility bill as proof of your new address.

4. Annual Valuation – Need Individual Values for Each Asset
   Submit updated fair market values for each asset in your account via the AET online portal.

5. Client Deceased – Need Instructions for Account Handling
   Beneficiaries or estate representatives must contact AET to provide the necessary documents for handling the account.

6. Need 401(k) Plan Documents
   If your account involves a 401(k) rollover, submit the required plan documentation.

7. Need Beneficiary Information
   Update or confirm your designated beneficiaries in the online portal, or submit a beneficiary designation form.

How to Clear a Setup Issue

To resolve a setup issue:

1. Review the Notification
   Check the toast message or hover over the red exclamation mark in your online portal to identify the necessary actions.

2. Submit the Required Documents
   Upload the required forms or supporting documents through the Documents tab in your account.

3. Contact AET Support if Needed
   If you are unsure about the requirements, reach out to AET Support for assistance.

Preventing Future Setup Issues

To help prevent future setup issues:

• Ensure that all incoming funds include the appropriate documentation for their purpose.

• Keep asset valuations up to date and provide required financial documents as requested.

• Regularly review and update your account information, including beneficiaries and compliance-related details.

Need Assistance?

If you have further questions or need help resolving a setup issue, please contact AET Support: