We intend for these bonuses to be a contribution towards your savings goal, so they are meant to stay inside a qualified account (e.g. an IRA). For that reason and in order to reach as many people as possible, bonus rewards cannot be withdrawn or transferred until 12 months after they are claimed and deposited into a client's Choice account.
After that, it's your choice what to do -- though we hope you'll decide to leave the savings on Choice to grow 😉
Additional reading: Referral Program Terms & Conditions