NIGO

NIGO stands for "Not In Good Order." A form is In Good Order (IGO) when everything the custodian needs is present and internally consistent; it is Not In Good Order when something is missing, mismatched, unsigned, or out of date, and the custodian sends it back instead of processing it.

In an advisor transition, NIGO is the single biggest source of hidden delay. Every rejected form has to be found, fixed, re-sent to the client for signature where needed, and resubmitted — often days later, and sometimes more than once. A book with hundreds of accounts can stall for weeks on NIGO alone.

Common NIGO triggers are a missing or mismatched signature, a name or address that does not match the custodian’s records, an incomplete transfer form, a missing account number, or a required disclosure that was never attached. The fix is to catch these before submission, not after the rejection comes back.

FastTrackr validates each form against the receiving custodian’s rules before it is submitted, so most NIGO patterns are caught and corrected up front rather than surfacing as rejections that reset the clock.