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You are under no obligation to establish a voluntary IRA or process a Rollover Contribution until you have signed and returned all necessary paperwork or authorized the transaction via electronic signature. Only then will your retirement assets (401(k), 403(b), IRA, etc.) be transferred to a voluntary IRA or added to your company sponsored retirement plan account.
Individuals should consult their tax advisers or legal counsel for advice and information concerning their particular situation. Retirement Clearinghouse, LLC does not give legal, investment, or tax advice. IRA account fees and product information provided by Retirement Clearinghouse, LLC is subject to change without notice at the discretion of the IRA Provider. The financial institutions on the Retirement Clearinghouse marketplace provider network are solely responsible for their products and service.
Securities are offered through RCH Securities, LLC, a wholly owned subsidiary of Retirement Clearinghouse, LLC and a member of FINRA (www.finra.org). Retirement Counselors with the RCH Service Center are Registered Representatives of RCH Securities, LLC.
RCH Shareholder Services is a wholly owned subsidiary of Retirement Clearinghouse, LLC and a registered transfer agent with the U.S. Securities and Exchange Commission.
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This site is directed at, and made available to, persons in the continental US, Alaska and Hawaii only.
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Acceptance of Terms
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Your Use of the Services
In order to use the Services, you must be at least 18 years of age and reside in the United States. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the forms on this Website. If any information you provide is untrue, inaccurate or not current, or if RCH Securities has reasonable grounds to suspect that such information is untrue, inaccurate or not current, RCH Securities, at its sole discretion, has the right to refuse all current or future access to the Content and use of the Services or suspend or terminate any portion thereof. Further, you agree that RCH Securities will not be liable to you or any third party if RCH Securities suspends or terminates your access to the Services or Content for any reason.
A Notice Regarding Indirect Rollovers
IF YOU RECEIVED A DISTRIBUTION CHECK THAT IS DATED MORE THAN 40 DAYS AGO FROM YOUR FORMER
Your initial Investment with a Financial Institution
The money in your
Password/User Name Protection and Use
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If you download anything from this Website, you must keep all copyright and other notices (e.g., trademark, patent, etc.) intact. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or other content obtained from this Website without the prior written authorization of RCH Securities or the third party suppliers.
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No RCH Securities Editorial Control of Third Party Content; No Statement as
You agree that, as some of the Content included in the Website is provided by third party content providers, RCH Securities has no editorial control or responsibility over Content or other information provided by third parties. Therefore, any opinions, statements, products, services, offers, promotions or other information expressed or made available by third party suppliers on this Website are those of such third party suppliers. RCH Securities does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party. RCH Securities neither warrants nor represents that your use of the Content displayed on this Website or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with RCH Securities.
Not a Financial Institution; Use Your Own
Judgment; No Guarantee by RCH Securities, etc.
RCH Securities is not a financial institution. RCH Securities does not endorse or recommend the products of any particular financial institution on rch1.com or any other venue in which the RCH Securities software may be accessed. RCH Securities' services are administrative, educational, and consultative only. You should rely on your own judgment in deciding which financial institution and that institution’s products and services best suit your needs. The financial institution is solely responsible for its products and services to you, and you agree that RCH Securities shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services.
RCH Securities does not guarantee acceptance by any particular financial institution or specific offer terms or conditions from any participating financial institution; Individual Retirement Account approval standards are established and maintained solely by individual financial institutions. Likewise, RCH Securities does not guarantee that the products and promotions offered and made available by participating financial institutions through this Website are the best available in the market. Nothing contained herein shall constitute an offer or promise for an IRA or specific rate of return. RCH Securities is paid a fee by participating financial institutions for the goods, facilities and services provided. Your use of this Website constitutes your agreement with this compensation arrangement.
Links to Third Party Websites
This Website may provide links to other Websites that are not under the control of or maintained by RCH Securities. You acknowledge and agree that RCH Securities is not responsible for and is not liable for the content, products, services or other materials on or available from such Websites. You further acknowledge and agree that RCH Securities will not be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such Website.
Modifications to Services
RCH Securities may, at its discretion, modify or discontinue any of the Services or Content or a portion thereof, with or without notice. You agree that RCH Securities will not be liable to you or any third party for any modification or discontinuance of any of the Services or Content.
Information contained on this Website has been prepared by RCH Securities as a convenience to its users and is not intended to constitute advice upon which a user may rely. RCH Securities has used reasonable efforts in collecting, preparing and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Website or any other Website maintained by RCH Securities. Users relying on information from this Website do so at their own risk.
RCH Securities may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model "what-if" scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report. RCH Securities makes no warranty regarding the accuracy of such calculators available for use on this Website.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF THIS Website, THE SERVICES AND CONTENT IS AT YOUR SOLE RISK. ALL SERVICES, CONTENT AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. RCH Securities EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. RCH Securities MAKES NO WARRANTY THAT (I) THE SERVICES, CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED OR ERROR-FREE; (II) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, CONTENT OR SOFTWARE WILL BE RELIABLE; (III) THE QUALITY OF ANY PRODUCTS ACCESSED, OBTAINED OR PURCHASED THROUGH THE USE OF THE Website, SERVICES, CONTENT OR SOFTWARE WILL MEET YOUR EXPECTATIONS; AND (IV) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
Limitation of Liability
YOU UNDERSTAND AND AGREE THAT RCH Securities WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES OR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF RCH Securities HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE Website, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, OR STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE SERVICE OR CONTENT.
As a condition of use of this Website, you agree to indemnify RCH Securities and its suppliers from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this Website, including without limitation any claims alleging facts that if true would constitute a breach by you of this agreement and providing false information on this Website.
Rollover Application Governed by Separate Agreement
The terms and conditions governing your Rollover Application that is submitted to the financial institution that you selected shall be governed by a separate agreement duly executed between you and the particular financial institution.
Age and Location of User
All information and content available on this Website are solely directed to individuals 18 years of age or older residing in the United States. RCH Securities makes no representation that the Content, information, products, or Services are available for use outside of the United States. Any use of the Services and Content is prohibited where they are not allowed by law.
Governing Law; Jurisdiction; Venue; Severability of Provisions
Disclosures & Licenses
Disclaimer: RCH Securities, LLC is a registered broker-dealer and member of FINRA ( www.finra.org ). RCH Securities does not offer research or advice on specific securities, nor does the company offer tax advice. The financial institutions on the RCH Securities network are solely responsible for their products and services. Any conversation, communication or services provided by a representative of RCH Securities shall not constitute investment, legal, or tax advice and is intended solely to educate and assist each participant with retirement solutions. Each participant of RCH Securities has sole discretion in deciding which financial institution's products and services best suit their needs. RCH Securities is a subsidiary of Retirement Clearinghouse, LLC.