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.
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"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.
