Lost IRA Search - Find a missing IRA Individual Retirement Account

• Traditional IRA & Roth IRA
• 401(k) Rollover IRA
• Coverdell Education IRA, Medical IRA, Health Savings Account (HSA)
• SEP (Simplified Employee Pensions) & SIMPLE (Savings Incentive Match Plan for Employees) IRA

About half of all IRAs are administered by and invested in various mutual funds. One- third are held in brokerage accounts, while bank deposits and life insurance annuities account for the remainder. About 15% of IRAs cumulatively worth $450 million are held by those aged 70 and above. Due to tax free compounding over the years, the average account is valued at around $100,000.

While unclaimed 401(k) retirement plan assets come under the purview of federal guidelines mandated by ERISA (Employee Retirement Income Security Act of 1974); missing and forgotten IRAs at banks, brokerages and insurance companies do not.

A traditional Individual Retirement Accounts is considered unclaimed if a withdrawal is not made by age 70½; the age at which non-withdrawal triggers a 50% tax penalty. Both Traditional and Roth IRAs may be considered abandoned if one or more distribution checks remains uncashed, which can occur as soon as the owner reaches age 59½.

Due to the long term nature of this type of investment, each year large numbers of owners and heirs - who may not be aware of a deceased family member's IRA or roll-over 401k - fail to claim accounts to which they're entitled.

If you have reason to believe you are entitled to claim a missing IRA, either as the original owner or rightful heir, but have had no contact with the holder and have not received payment, complete the form below to initiate a search.