The AWC alleges that instead of obtaining new signatures, Gulan cut signatures from another document that the married clients had signed earlier that year and affixed the signatures onto a new IRA distribution request form, which he then submitted to Fintegra for processing.

FORBES: FINRA IRAte About Cut And Pasted Customer Signatures

In-kind distribution - Unitholders may generally request an in-kind distribution of the securities underlying the units if they own 2, 500 or more units at either the time of purchase or maturity.

FORBES: Why Unit Investment Trusts Can Be A Good Investment Alternative

When you request a distribution of your 401(k) assets, it may take years.

FORBES: 401(k)s: Far More Dangerous Than IRAs (March 2, 2001)