American Century Investments® Brokerage Retirement Account Application

Accounts are available only to U.S. citizens and U.S. resident aliens.

  • Complete this application to open one of the following American Century Investments brokerage accounts: Traditional IRA, Rollover IRA, Roth IRA, SEP IRA or SIMPLE IRA. Or click on the appropriate PDF to process a paper application:
  • Please keep a copy of this application for your records.

Step 1: Choose Your Account Type

Choose Your Account Type

Complete this application to open one of the following American Century Investments brokerage accounts: Traditional IRA, Rollover IRA, Roth IRA, SEP IRA or SIMPLE IRA. Or click on the appropriate PDF to process a paper application:

If you are an employer establishing a new SIMPLE IRA or SEP IRA plan for your business, you also must adopt an appropriate plan document.

SEP IRA plan employers: If you have not already adopted a SEP plan, consider an American Century Investments® SEP prototype plan. You may instead adopt the IRS Model SEP plan by completing IRS Form 5305-SEP.

SIMPLE IRA plan employers: If you have not already adopted a SIMPLE plan, consider adopting the IRS Model SIMPLE plan by completing IRS Form 5305-SIMPLE.


Step 2: Provide Account Information

Provide Your Account Information

U.S. Citizen U.S. Resident Alien

Note: To open an account online with American Century Investments, you must live in the United States or one of its territories and must be either a U.S. citizen or resident alien.


Step 3: Provide Mailing Information

Provide Your Mailing Address

Street Address

Mailing Address (check if same as above)


Step 4: Provide Affiliation / Institutional Account Information

Enter Your Employer's Information Below.

We are required to have all the information below before we can open this account.

Are you (any account owner, trustee, agent or authorized signer) or an immediate family member (spouse or domestic partner, minor child or a relative who shares your home) employed by or affiliated with a member firm of an exchange or FINRA, including American Century Investments?*

If yes, list company, name, position, affiliation and address below. A letter and duplicate statements will be sent to the employer in accordance with current regulations.


Are you (any account owner, trustee, agent or authorized signer) or an immediate family member (spouse or domestic partner, minor child or a relative who shares your home) a registered investment advisor?*

If yes, list company, name, position, affiliation and address.


Are you (any account owner, trustee, agent or authorized signer) or an immediate family member (spouse or domestic partner, minor child or a relative who shares your home) a natural person, corporation, partnership, trust or otherwise, with total assets of at least $50 million?*

If yes, list company, name, position, affiliation and address.


Are you (any account owner, trustee, agent or authorized signer) or an immediate family member (spouse or domestic partner, minor child or a relative who shares your home) a director, a 10% shareholder or policy-making executive of a publicly traded company?*

If yes, list company, name, position, affiliation and address below. American Century Investments will not monitor or restrict account trading. It is the responsibility of the account owner to monitor trading to ensure adherence to all applicable trading regulations.


Are you (any account owner, trustee, agent or authorized signer) or an immediate family member (spouse or domestic partner, minor child or a relative who shares your home) a large trader?*

If yes, provide your large trader identification number.

Indicate the Source of your Investment

Please indicate below whether or not American Century Investments is the Designated Financial Institution for your company's SIMPLE IRA plan. A Designated Financial Institution receives all contributions made to the SIMPLE IRA plan. American Century Investments is the Designated Financial Institution only if your employer has completed IRS Form 5305-SIMPLE. Please contact your employer to determine whether it has completed this specific form.


If no election is made, we assume American Century Investments is not the Designated Financial Institution.


Step 5: Provide Funding Information

Designate Account Funding

The minimum initial investment for a Traditional, Roth, Rollover, SEP or SIMPLE IRA is $2,500. Checks must be payable to American Century Brokerage.

Funds rolled over from an employer-sponsored retirement plan ("rollover assets") can be kept in a separate account, typically designated as a Rollover IRA. Doing so allows you the option of returning the rollover assets to a qualified plan in the future. Combining rollover and other IRA assets together may cause you to forfeit the option of moving the rollover assets to another employer-sponsored retirement plan in the future. Additionally, a qualified retirement plan distribution that is eligible for special tax treatment under an income-averaging or capital gains election will maintain this eligibility if you keep the money in a separate Rollover IRA. Should you request a Non-Rollover IRA be funded with assets previously held in an employer-sponsored plan on this application, you agree that you do not wish to preserve the option to return your rollover assets to an employer sponsored plan in the future or to maintain the assets' eligibility for special tax treatment (when applicable).

Contributions for SEP and SIMPLE IRAs will come from the employer.

I will mail a check payable to American Century Brokerage in the amount of $ for the tax year.


American Century Investments
P.O. Box 419146
Kansas City, MO 64141-6146

If no year is indicated, your investment will be credited for the current year.


Rollover Contributions are not allowed for SIMPLE IRAs.

My initial investment is a check payable to American Century Brokerage in the amount of $.


To start your direct rollover, please request distribution paperwork from your employer. Complete and return to your employer.


You can transfer mutual fund shares from an American Century Investments Traditional, Roth, Rollover, SEP or Simple IRA to your new brokerage account. To do so, both accounts must be registered in the same account type. If transferring between accounts registered in different account types, please call our investment specialists at 1-888-345-2071. Investment Specialists are available to assist you weekdays from 8 a.m. to 6 p.m. Central Time. Please note:

  • Transfer in-kind - The account registration must be identical to transfer in kind mutual fund shares. All money market funds will be liquidated and deposited as cash into the American Century Brokerage sweep account.
  • Liquidate - Mutual fund shares will be sold and transferred as cash to the brokerage account. For transfers of cash between different registrations, a letter of authorization signed by all owners of the American Century Investments account must be received. Signatures must be guaranteed if transferring over $100,000 between different registrations.
  • Automatic investments on your mutual fund account will be discontinued. To set up an automatic or one-time investment on your new brokerage account, complete the Brokerage Investment and Redemption Form PDF
  • By submitting this form you are authorizing us to transfer the fund(s) listed below from American Century Investments

Name of fund/account number:

Name of fund/account number:

Name of fund/account number:


Converting assets from a Traditional or Rollover IRA to a Roth IRA has tax consequences that you should carefully consider. Please consult a tax advisor if you have questions. In addition, if the account owner of the existing account and the IRA are not the same individual, or the existing account has more than one owner, please attach a separate sheet with transfer instructions signed by all owners of the existing American Century Investments brokerage account.

Select one from the list below

Name of fund/account number:

Name of fund/account number:

Name of fund/account number:


You must also complete the Brokerage Transfer Form PDF. Complete one transfer form for each financial institution and mail a copy of your most recent statement. For additional transfer forms, copy or download from americancentury.com.


American Century Investments
P.O. Box 419146
Kansas City, MO 64141-6146


Step 6: Choose Withholding Election

You may skip this section as you are not converting from an American Century Investments brokerage Traditional/Rollover IRA to an American Century Investments brokerage Roth IRA.

Select Your Withholding Instructions - Substitute Form W-4P (OMB No. 1545-0415)

Please skip this section unless you are converting from an American Century Investments brokerage Traditional/Rollover IRA to an American Century Investments brokerage Roth IRA.

Converting creates a taxable distribution from your existing Traditional IRA. The year after the conversion, we will send you and the IRS Form 1099-R to report the distribution amount. We also will send you and the IRS Form 5498 to report the amount converted. You may want to speak with a tax advisor before you authorize this conversion. Money that you elect to convert from your existing Traditional IRA that has not previously been taxed is subject to federal income tax withholding. You may elect to have withholding applied to your distribution by checking the box below and indicating the rate of withholding.

Remember, even if you elect not to have income tax withheld, you are liable for paying income tax on the taxable portion of your conversion amount. If you elect not to have income tax withheld, or you don't have enough withheld, you may be responsible for payment of estimated tax. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are not sufficient.


If you do NOT want us to withhold federal income tax from your conversion amount, do NOT check the box.

I elect to have federal income tax withheld at the rate of %. Percentage must be between 10-100%. If no percentage is indicated, or if you indicated a percentage of 1-9%, withholding will be made at the rate of 10%. Note: State tax will be withheld according to state regulations if, at the time of your distribution, your tax residency is within one of the mandatory withholding states.

Note if you are under age 59½: If you choose to have tax withheld from the converted amount, you must make up the difference out of pocket and add it to your Roth IRA within 60 days or that amount may be subject to a penalty tax. Any amount not rolled over is considered an early distribution.


Step 7: Choose Additional Services

Select Additional Account Services

Complete for Internet Access: Go to americancentury.com/brokerageOpens in a New Window for account information, online trading, and to sign up for electronic delivery of your account documents.


Automatic Sweep Account (required)

The sweep program consists of sweep options, which may include money market mutual funds or bank deposit products. Once a sweep option is elected, any free credit balance in your brokerage account will be automatically invested into the sweep product selected. Any debits in your brokerage account will also be covered automatically by redemptions, to the extent you have a balance in the sweep product sufficient to cover the debit balance.

Select one of the money market funds below. If you do not select a fund, your cash balance will automatically be swept into the Prime Money Market fund.

You should consider the fund's investment objectives, risks, and charges and expenses carefully before you invest. The fund's prospectus or summary prospectus, which can be obtained by calling 1-888-345-2071, contains this and other information about the fund, and should be read carefully before investing. Investments are subject to market risk.

An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.





Duplicate Statements

If you would like duplicate account statements or trade confirmations sent to a different address, please provide the address below.



Mutual Fund and Equity Dividend Reinvestments

Dividend and capital gain distributions may be reinvested or swept into your brokerage account. New mutual fund purchases default to reinvest. Equity purchases default to pay the distributions as cash to your sweep account. A security issuer may declare an optional dividend that requires you elect either cash or stock prior to payment. We will apply your dividend reinvestment instruction to any future optional dividends, unless you notify us of alternate instructions prior to the election cut-off time. If you desire to change the defaults, please contact us at 1-888-345-2071 once your account is established.


Step 8: Designate Your Beneficiary

Designate Your Beneficiary

If you live in a community property state and you do not designate your spouse as your sole primary beneficiary, please complete the Brokerage IRA Designation of Beneficiary form PDF. You may call us for the form or download one from americancentury.com.

Primary Beneficiary

  • Complete this step if you are naming only one primary beneficiary for the type of IRA indicated.
  • To designate multiple or secondary beneficiaries, please complete a Brokerage IRA Designation of Beneficiary PDF form.
  • You may change your beneficiary at any time. The change is effective when it is received and accepted by us.
  • If you already have a designation on file with us:
    • If you do not name a beneficiary on this application, your existing American Century Brokerage IRA designation for the same type of IRA* will apply. IRA designations for accounts held directly with American Century Investments do not apply to American Century Brokerage.
    • This designation of beneficiary revokes any prior designation for the type of IRA* that will be established with this application, and applies to all assets you hold under the type of IRA* that will be established with this application.

      *Updates to a Traditional IRA also apply to a Rollover IRA and vice versa. A Rollover IRA is a Traditional IRA that only contains assets rolled over from a former qualified retirement plan.

Name a Beneficiary:

In the event of my death, pay the balance of my IRA to:

Female Male

Step 9: Read American Century Brokerage Agreement

Read and Submit

Submitting this application acknowledges that you have read the Customer Agreement PDF and agree to the terms.

Under penalties of perjury, I certify that:

1. Taxpayer ID

The number on this form is my correct taxpayer identification number.



2. Backup Withholding

I am not subject to backup withholding because:

(a) I am exempt from backup withholding, or

(b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or

(c) the IRS has notified me that I am no longer subject to backup withholding.

I am subject to backup withholding because:

(a) I am not exempt from backup withholding, or

(b) I have been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or

(c) the IRS has not notified me that I am no longer subject to backup withholding.


The IRS does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.



3. Citizenship

I am a U.S. citizen or other U.S. person.




We do not accept written trade instructions. To initiate a trade, please access your account at americancentury.com or call TeleSelect at 1-888-345-2091 or contact us at 1-888-345-2071.

Custodian Acceptance. If all required forms and information are properly submitted, State Street Bank and Trust Company will accept appointment as Custodian of the Custodial Account. However, this Agreement (and Account Application) is not binding upon the Custodian until the Depositor has received a statement confirming the initial transaction for the Custodial Account. Receipt by the Depositor of a confirmation of the purchase or deposit of securities, cash or other instructions indicated in the Depositor's Adoption Agreement will serve as notification of State Street Bank and Trust Company's acceptance of appointment as Custodian of the Custodial Account.



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Brokerage Services are provided by American Century Brokerage, a division of American Century Investment Services, Inc., registered broker/dealer, member FINRA Link to External Site, SIPC Link to External Site.