TradeStation
Securities has struck a deal with retirement fintech Capitalize to bring
401(k)-to-IRA rollovers inside the TradeStation platform, targeting a pain
point that has long frustrated American workers changing jobs.
The
Florida-based brokerage will embed Capitalize’s Rollover API, letting users
locate old 401(k) accounts, verify their details, and submit transfer requests
without ever leaving TradeStation’s interface. The feature is aimed squarely at
TradeStation’s core audience: experienced, active traders who also hold
retirement assets and want everything accessible in one place.
A Broken
Process Gets a Digital Fix
The
rollover problem is real and widespread. According to Capitalize’s own
research, nearly 80% of Americans cannot complete a 401(k) rollover without
outside help, and the average unassisted transfer takes close to two months
from start to finish. That compares to roughly five days for ACH transfers and
around ten days for ACATS brokerage account transfers. Over 43% of savers end
up receiving a physical paper check at some point during the process – a relic
of an era when paper dominated financial services.
“TradeStation
clients expect award-winning technology, whether they’re trading or managing
long-term investments,” said John Bartleman, President and CEO of
TradeStation Group, Inc. “Through our integration with Capitalize, we’re
bringing that same standard to retirement accounts, supporting confident and
efficient movement of assets.”
TradeStation
Pushes Beyond Active Trading
The
retirement move fits a broader pattern emerging across trading platforms.
TradeStation has been on an expansion drive, adding
MultiCharts integration in December 2025 to give clients an all-in-one trading and
analysis setup, and before that rolled out XRP
Futures from CME Group in the spring of 2025. While those moves targeted active traders
chasing new instruments, the Capitalize deal takes the platform in a different
direction – toward long-term savers who may not trade daily but still want a
capable home for their retirement nest egg.
TradeStation
is also not alone in this pivot. Across the Atlantic, eToro last year expanded into
the French savings and retirement market, opening a Paris office and partnering with
Generali for retirement products – following a similar move by XTB into
long-term investment accounts in France. Active-trading platforms are
increasingly eyeing the much larger pool of passive, long-term investors as a
second revenue stream.
TradeStation
itself has gone through significant structural changes in recent years. In
April 2024, Kraken
acquired TradeStation Crypto, the crypto arm of the group, which held licenses across 47 US states,
Washington DC, and Puerto Rico, though the financial terms of that deal were
never disclosed.
Capitalize
Builds Out Its Broker Network
TradeStation
is not Capitalize’s first rodeo with online brokerages. The fintech has been
steadily expanding its network of institutional partners, with Firstrade
Securities adding the same Rollover API last October, and TIAA Wealth
Management announcing a similar integration just days ago. Capitalize says its
technology has already powered billions of dollars in retirement transfers
across its growing client roster.
Gaurav
Sharma, CEO and Co-Founder of Capitalize, said the TradeStation partnership
extends the API’s reach into one of the more demanding corners of the retail
trading world. “TradeStation has long pushed trading execution and
innovation,” Sharma said, “and together we’re giving traders the same
high-performance experience they expect, this time for their retirement account
transfers.”
TradeStation
says users will “soon” be able to access the Capitalize rollover
experience, though the company has not given a specific launch date. Once live,
traders will be able to hunt down forgotten 401(k)s, confirm account
information, and kick off the transfer – all without switching platforms. The
integration does not eliminate the legal complexity of rollovers: TradeStation
notes that a rollover to an IRA is not the only option available, and users
should weigh tax implications and other factors before making a move.
This article was written by Damian Chmiel at www.financemagnates.com.
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