We urge clients to get their investment accounts open immediately. Depending on which custodian you use, the process can take a couple weeks. We have relationships with most custodians so let us know if you need some help. Charles Schwab: https://emparion.com/setting-up-cash-balance-plan-at-charles-schwab/ Fidelity: https://emparion.com/setting-up-a-cash-balance-plan-at-fidelity/ Vanguard: https://emparion.com/how-to-set-up-your-defined-benefit-plan-account-with-vanguard/