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How to Submit a withdraw to investment account request (RIF)

Learn how to submit a ticket to withdraw to an Investment Account from a RIF

Applies To:

All Portfolio Managers, Advisors, Wealth Planners, and support staff.

Eligible account types: RIF

You can submit a withdraw to investment account request from a client’s CRM Contact Record to withdraw from a client’s Optimize RIF account into another investment account. Use the instructions below to ensure the account is eligible, that the correct destination account details are on file, and that you have accounted for RIF withdrawal rules, minimum payment requirements, and applicable withholding tax.

When to Submit a RIF withdraw to investment account request

  • The client’s authorization to process the withdrawal.

  • The correct source (RIF) and destination investment account selected for the withdrawal.

  • A clear specification of whether the withdrawal is full or partial.

  • Confirmation that the withdrawal will be processed as In-Cash only (RIF withdrawals to investment accounts cannot be In-Kind).

  • Confirmation of whether the source of funds is 'Model' or 'All'.

  • Verification that the withdrawal meets or exceeds the client’s annual RIF minimum payment requirements.

How to Submit a withdraw to investment account request

To submit a withdrawal to investment account request from a RIF, use the Service Extension on the client’s CRM Contact Record. Follow the instructions below to complete the request.

  1. Search for the client’s contact in the HubSpot Search bar and open the client’s CRM Contact record page.
  2. Navigate to the Servicing (Service Request) tab in the middle panel of the contact record.
  3. Click on Cash and Security Management → Withdraw Funds.


  4. Select Withdraw to Investment Account.

  5. Select the RIF Account.


  6. Select the To Account.


  7. Specify the Amount Type:
    • Full or Partial
  8. Specify the Source of Funds:
    • Model or All



  9. If you have selected a partial withdrawal, confirm the gross amount and specify whether the Amount from minimum is Taxable or Tax Free.

    Screenshot 2025-07-07 at 1.53.28 PM
  10. Review the details carefully, then click Submit.

Important: Withdrawals from RIF and LIF accounts where a portion of the minimum is being used to facilitate the withdrawal will stop the existing systematic plan on the account. Once the Withdrawal ticket has been Completed, submit a Manage plan ticket to update the plan details and restart the plan

After Submitting the Request

A new service request ticket will be created. You can locate it:

  • In the Right-Side Panel of the client's CRM Contact Record under Tickets.
  • In the withdraw Pipeline, where you can track the progress and confirm when the request is completed.

Processing Timelines

  • In-Kind withdrawals: Typically 4 business days after the ticket has been submitted and completed any applicable review.
  • In-Cash withdrawals: Typically 7-11 business days after the ticket has been submitted and completed any applicable review.