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ROBS Timeline

The typical ROBS process takes 4–8 weeks from application submission to funded business. Here’s a realistic breakdown.

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Timeline by Phase

PhaseDurationWhat’s Happening
Eligibility screeningMinutesAutomated assessment
Application completion1–3 daysAt your pace — auto-saves
Expert review2–5 business daysAI + human compliance review
Consultation1 weekScheduling + call
Entity formation1–2 weeksState filing, EIN
Plan documents1–2 daysAutomated generation
Rollover transfer1–4 weeksDepends on your custodian
Stock purchase1–3 daysAfter funds arrive
Total: 4–8 weeks typical

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What Affects Timeline

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Fastest Scenarios (4 weeks)

  • Application is complete and straightforward
  • Retirement custodian processes rollovers quickly (Fidelity, Schwab)
  • Delaware incorporation (fastest state filing)
  • No additional information needed

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Slower Scenarios (6–8+ weeks)

  • Retirement custodian has slow rollover processing
  • Additional documentation requested during review
  • Multiple retirement accounts rolling over from different custodians
  • State filing delays (varies by jurisdiction)

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The Biggest Variable: Your Custodian

The single biggest factor in your timeline is how quickly your current retirement account custodian processes the rollover transfer. This is outside of Talcott Forge’s control.
Custodian TypeTypical Transfer Time
Major brokerages (Fidelity, Schwab, Vanguard)5–10 business days
Employer plan administrators10–20 business days
Smaller custodians / TPAs10–30 business days
You can help speed things up by contacting your custodian early to understand their rollover process and any forms they require.

Get Started

The clock starts when you do — check your eligibility now.