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The typical Nexus 401(k) process takes 2–4 weeks from application submission to funded business, assuming the application is complete and the sending custodian processes the rollover on a standard timeline. Fast, straightforward cases can finish in 2–3 weeks; some cases take longer when a custodian, state filing, or additional documentation request slows the process.

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Timeline by Phase

PhaseDurationWhat’s Happening
Eligibility screeningMinutesAutomated assessment
Application completion1–3 daysAt your pace - auto-saves
Expert review1–3 business daysCompliance and application review
Entity formationSeveral business days to 2 weeksState filing, EIN
Plan documents1–2 daysAutomated generation
Rollover transfer3–15+ business daysDepends on your custodian
Stock purchase1–3 daysAfter funds arrive
Total: 2–4 weeks typical

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What Affects Timeline

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Fastest Scenarios (2–3 weeks)

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

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Slower Scenarios

  • 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 brokerages3–5 business days
Employer plan administrators5–10 business days
Smaller custodians / TPAs5–15+ 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

Check eligibility to start the process.