You probably sit down with a Retirement Planning professional - including a Business Law attorney or a Financial Planner who works in the Retirement Planning area. There is no 'mandatory' time that i'm aware of. However most companies have some administrative protocols that apply to 'cashing in' an IRA. At this time it seem that 3 months is excessive. Call the Customer Service section of the provider after you speak with a Retirement Planning professional. Good Luck !!