Voya Financial Gold IRA Rollover
After decades of work, your Voya Financial account represents real money—money you earned one paycheck at a time. Here's exactly how to move it to a Gold IRA without taxes or penalties.
This is simpler than it sounds. Voya Financial administers workplace retirement plans across corporate, public sector, healthcare and education employers. If your 401(k), 403(b) or 457(b) statement says Voya, your employer chose Voya as recordkeeper, which is why the paperwork often differs from one Voya plan to the next.
Nervous About Doing This Yourself?
Most people are. Augusta calls Voya Financial for you, handles all the paperwork, and makes sure nothing goes wrong.
Step-by-Step: Rolling Over Your Voya Financial Account
Your Gold IRA company handles most of this. You just need to know what's happening.
Open your Gold IRA account first, so you have the receiving account details
Call Voya participant services on 800-584-6001 and ask for a direct rollover
Confirm which plan type you hold (401(k), 403(b) or 457(b)) as the forms differ
Give Voya the receiving custodian's name, address and your new account number
Ask for the check to be made payable to the custodian, not to you
Purchase metals once the custodian confirms the funds have landed
How Long Does This Take?
Here's what to expect once you start the process.
What Helps
- Voya's participant line runs 8am to 9pm ET on weekdays, so call early in the day if you want the request opened same-day
- Governmental 457(b) money can be rolled to an IRA; non-governmental 457(b) money generally cannot, so establish which one you hold before starting
- Ask explicitly for a DIRECT rollover; a check in your own name starts the 60-day clock
- Keep the confirmation number Voya gives you, it is the fastest way to chase a delayed transfer
Things to Avoid
- An indirect rollover triggers 20% mandatory withholding that you must replace from your own pocket within 60 days
- Some Voya plans hold assets in group annuity contracts that can carry surrender charges; check before you initiate
- If you are still employed, in-service withdrawal rules are set by your employer's plan document, not by Voya
Voya Financial Rollover Process Details
Voya administers workplace retirement plans for employers as well as for public sector and healthcare employers, so the exact route depends on which plan your employer uses. Existing participants start at the same place: the participant line, or the plan portal your employer points you to.
Account Types You Can Roll Over from Voya Financial
If You Want to Call Yourself
Here's Voya Financial's rollover line. Or let Augusta handle it for you.
Skip the Phone Calls
Augusta contacts Voya Financial for you, handles all the paperwork, and makes sure your rollover goes smoothly. No cost to get started.
Get Free Rollover KitHave an Account Somewhere Else?
TIAA
Employer PlanTIAA (Teachers Insurance and Annuity Association) primarily serves educators, healthcare workers, and non-profit employees. Their rollover process can be more complex due to annuity products.
Principal Financial
Employer PlanPrincipal Financial Group administers retirement plans for thousands of employers. Their rollover process varies by plan but generally follows standard procedures.
Empower Retirement
Employer PlanEmpower Retirement serves over 17 million participants across employer-sponsored plans. They've consolidated several major recordkeepers including MassMutual and Great-West.
Common Questions About Voya Financial Rollovers
Straight answers. No financial jargon.
How long is this going to take?
Voya Financial rollovers typically take 7-14 business days. You can start online, which speeds things up.
Will I owe taxes on this?
No. A direct rollover from Voya Financial to a Gold IRA is 100% tax-free. The money goes straight from one account to the other—you never touch it. No taxes, no penalties. It's the same money, just in a different account.
What happens to my current investments?
Your stocks, bonds, or mutual funds at Voya Financial get sold and converted to cash. That cash then transfers to your Gold IRA, where you use it to buy physical gold. Your Gold IRA company walks you through choosing the right metals.
You Built This. Now Protect It.
After years of saving with Voya Financial, your retirement deserves real protection. Augusta handles everything—they call Voya Financial, complete the paperwork, and make sure your money is safe every step of the way.