--- title: How to Fund Your Elm Account Elm Partners description: "Elm: making sense of your wealth. Take the guesswork out of wealth management with our sensible-yet-sophisticated approach to investing." --- [![Elm Partners](https://insights.elmwealth.com/hs-fs/hubfs/elm%20logo%20mini.png?width=100&height=100&name=elm%20logo%20mini.png "Elm Partners")](http://elmwealth.com/) Open main menu Close main menu [How Elm Works](https://insights.elmwealth.com/elm-wealth-research/tag/how-elm-works) # How to Fund Your Elm Account [James White](https://insights.elmwealth.com/elm-wealth-research/author/james-white) [Share this blog post on Twitter](https://twitter.com/intent/tweet?text=I+found+this+interesting+blog+post&url=https://insights.elmwealth.com/elm-wealth-research/funding-your-account) [Share this blog post on Facebook](http://www.facebook.com/share.php?u=https://insights.elmwealth.com/elm-wealth-research/funding-your-account) [Share this blog post on LinkedIn](http://www.linkedin.com/shareArticle?mini=true&url=https://insights.elmwealth.com/elm-wealth-research/funding-your-account) December 19, 2019 How Elm Works ## How to Fund Your Elm Account ### If the ultimate source of funds is currently invested in brokerage assets: - You can transfer assets to Elm through the inter-brokerage ACAT network. We’ll take care of liquidating the assets and getting funds invested on the same day, reducing timing risk. If you hold broad-market ETFs or mutual funds, it’s possible we’ll be able to use some or all of these instruments instead of liquidating them. - This will generate realized gains or losses in a taxable account. If you share an account statement with us, we can help estimate the tax impact of liquidating your assets.The ACAT transfer can take between 2 days and 2 weeks. We initiate this through Fidelity and you will receive approval paperwork to eSign. - You can liquidate assets yourself and transfer cash to your Elm Fidelity account (see below). This allows you to control the liquidation directly, but requires taking market-timing risk between when you liquidate the assets and when we re-invest them. --- ### If the ultimate source of funds is currently in cash or cash proxies: - **For Non-retirment accounts:** - If funds are currently outside Fidelity, you can wire funds into your Elm Fidelity account (same-day delivery). Wire instructions can be found on [Fidelity.com](https://www.fidelity.com/cash-management/information-needed-wire-to-fidelity-account). - If funds are currently outside Fidelity but at another brokerage, we can pull the funds into your Fidelity account through the ACAT network (1-3 days typical processing time). We initiate this through Fidelity and you will receive approval paperwork to eSign. - If funds are currently in another Fidelity account, you can instruct Fidelity to transfer the funds into your Elm Fidelity account ($200k/day limit online, no limit over the phone), or we can prepare a Journal Request form for your signature (1 day processing time). - **For Retirement accounts:** - If funds are currently outside Fidelity but at another brokerage, we can pull the assets into your Fidelity account through the ACAT network (1-3 days typical processing time). We initiate this through Fidelity and you will receive approval paperwork to eSign. - If funds are currently in another Fidelity account, you can instruct Fidelity to transfer the funds into your Elm Fidelity account ($200k/day limit online, no limit over the phone), or we can prepare a Journal Request form for your signature (1 day processing time). 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