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Neurospouse has been retired 5 years or so and has a nice 401K balance and profit sharing account.
We are looking to roll it into accounts at my broker (where she already has an IRA and Roth).
The 401K administrator has told her we need to provide them exactly how my broker wants the check to be made out. They said they would then mail us the check and we would have to send it to the broker.

Is this normal?
Why would it require a physical check?

I don't recall physical checks being used when I moved my own 401K 7 years ago, nor in her previous small rollover 20 years ago.

It would seem to me that with the routing number and account number it should be able to move electronically. All she should have to do should be to authorize the transaction.

The whole process can apparently take 2-4 weeks during which time a significant dollar amount is essentially sitting in cash and the transaction time dependent on the mail system.

Not sure why they can't simply convert all to cash at the end of a specific day and electronically send it to an authorized account. Well maybe not same day but a least something like settlement day for the sale of the assets.
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