Roth IRA Custodians: Who Actually Does What

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 minimum; $0 opening/maintenance fees

Published IRA table supports these account figures. Remove the unverified opening-time promise; transaction/product fees are separate.

• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$50 full asset transfer; $0 partial

Pricing Guide April 2026, printed page 13. This is outgoing asset-transfer pricing, not every cash/security delivery or liquidation method.

• Provider source — Charles Schwab Pricing Guide, April 2026; 20 pages

Idle-cash treatment

Terms and pricing

Eligibility-based cash feature: bank sweep or Schwab One Interest

October disclosure distinguishes cash features by account eligibility. Option-approved brokerage accounts qualify only for Schwab One Interest; Benefit Plans sweep is not every IRA's default. Bank deposits and broker-held cash have different protections.

• Provider source — Cash Features Disclosure Statement, October 2026

IRA match or bonus

Not confirmed

Unknown — IRA-only referral eligibility; no public contribution match established

Referral tiers up to $1,000/45 days are published, but IRA eligibility and Schwab One qualifying-deposit requirements coexist. Do not promise an IRA-funded award or universal absence of other programs.

• Provider source — edition date not stated

401(k) rollover help

Published IRA feature

Online opening + Rollover Consultants

Published online opening and no-charge consultant route, 866-855-5635. Old-plan forms/check handling can still be required; tax treatment requires primary-law review.

• Provider source — edition date not stated

Roth conversion route

Published IRA feature

Online IRA conversion; additional jurisdiction-specific steps may apply

Current instructions use Transfer & Pay > Transfer Funds for cash/positions and withholding review. Replace old Move Money navigation/quote. Public instructions are not an all-cases transaction-completion test.

• Provider source — edition date not stated

Fractional shares

Not confirmed

Unknown — IRA eligibility for published $1 stock/ETF fractionals

General brokerage product advertises most U.S.-listed stocks/ETFs from $1, but the cited eligibility examples do not explicitly establish IRA access.

• Provider source — edition date not stated

Automatic investing

Limited or assisted

Recurring purchases of eligible mutual funds already held

Published instructions restrict automatic investing to eligible existing mutual-fund holdings and exclude some account types. Do not label the 0423 content code a publication date; remove unchecked robo comparison.

• Provider source — edition date not stated

Dividend reinvestment

Not confirmed

Unknown — IRA-specific DRIP eligibility

General no-charge dividend program and whole/fractional reinvestment are published; IRA scope was not affirmatively established by this source.

• Provider source — edition date not stated

Options in IRA

Limited or assisted

Approved IRA options, including limited-margin spreads

IRA-specific strategies include covered calls, cash-secured puts, long calls/LEAPS and approved defined-risk spreads. Limited margin does not permit borrowing; restrictions are this provider's policy, not every custodian's rule.

• Provider source — Article dated August 13, 2025

Crypto in IRA

Not confirmed

Unknown — IRA-specific crypto-ETP access; brokerage individual coins unavailable

Brokerage individual-coin exclusion is explicit. A general ETP menu does not establish IRA execution eligibility; separate Schwab Crypto remains advertised as coming soon.

• Provider source — edition date not stated

Custodial Roth for a minor

Limited or assisted

Custodial Roth offered; paper application advertised

Earned income required. Handoff age is state-dependent, typically 18/21 and up to 25 in some states. No digital route established; do not state categorical impossibility of online opening.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

Excess-contribution correction route

Not confirmed

Unknown — current excess/recharacterization form instructions and digital initiation

Public resource links a PDF, but current Bynder asset failed/blanked. Older March 2023 copy is not current proof. Ink signature, return methods and no-online guarantee remain unverified.

• Provider source — edition date not stated
• Provider source — edition date not stated; current access or scope not confirmed
• Provider source — APP13581-13 (03/23); older indexed copy, not current linked form; current access or scope not confirmed

Inherited IRA opening route

Limited or assisted

Online inherited-IRA application advertised; paper alternative

Current forms listing/dedicated entry advertise online opening. November 2024 paper application remains an alternative. Full beneficiary-claim completion and case requirements were not tested; no universal paperwork-free guarantee.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — APP13599-33 (11/24); inherited application with attachments

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 opening minimum/routine account fee; residual-balance exception

Qualifying residual IRAs may incur up to $5/quarter: aggregate balance below $100, core-only, no current-employer Workplace relationship, and no activity for 12 months. State-law, balance-cap and named exclusions apply. Not a newly dated policy.

• Provider source — Fidelity Brokerage Commission and Fee Schedule, version 1.828131.170; issuance date not established
• Provider source — edition date not stated

Transfer-out fee

Not confirmed

Unknown — current outgoing IRA transfer fee not cleanly established

Comparison lists $0 but carries 2018/2023 data dates. No ordinary ACAT line in the standalone schedule is not independent $0 proof. Do not infer a fee increase either.

• Provider source — edition date not stated
• Provider source — Fidelity Brokerage Commission and Fee Schedule, version 1.828131.170; issuance date not established

Idle-cash treatment

Terms and pricing

Eligible IRA core: retirement money-market option or eligible FDIC sweep

Core chosen on application; bank-sweep eligibility varies by registration/advisory status, including inherited restrictions. FZFXX appears in the non-retirement FAQ section, not the cited retirement choice list. Do not promise universal ticker/changeability eligibility.

• Provider source — edition date not stated
• Provider source — edition date not stated

IRA match or bonus

Not confirmed

Unknown — no public offer currently listed on checked offers page

The public offers page explicitly lists no offers. This establishes that page's status, not the absence of every private/targeted IRA match or promotion.

• Provider source — edition date not stated

401(k) rollover help

Published IRA feature

Online opening/initiation + rollover specialists

Published opening, old-plan coordination and deposit process support the route. Plan paperwork may remain; online opening is not end-to-end digital plan transfer.

• Provider source — edition date not stated

Roth conversion route

Published IRA feature

Online Fidelity-held IRA conversion; other assets need additional steps

Outside IRA first transfers; workplace-plan route requires assistance. Published year-end deadline has a last-business-day qualification. Use current conversion source, not the old redirected checklist wording.

• Provider source — edition date not stated

Fractional shares

Published IRA feature

Eligible IRA stock/ETF fractionals from $1

Retirement agreement supplies IRA scope. Eligible NMS stocks/ETFs, .001 precision, market/limit day orders; not all securities or order types.

• Provider source — edition date not stated
• Provider source — edition date not stated

Automatic investing

Published IRA feature

Recurring stocks/ETFs/mutual funds; optional baskets $4.99/month

Explicit Traditional/Rollover/Roth eligibility and core/linked-bank funding. Stock/ETF/basket plans $1–$100,000; mutual funds $10–$100,000. Baskets are optional paid service, not required for standard recurring buys.

• Provider source — edition date not stated
• Provider source — Fidelity Brokerage Commission and Fee Schedule, version 1.828131.170; issuance date not established

Dividend reinvestment

Published IRA feature

Online dividend elections for eligible IRA positions

Retirement program terms support eligible reinvestment. Remove unverified universal default and no-cost claims from tutorial-based detail; security/account exceptions apply.

• Provider source — edition date not stated
• Provider source — Tutorial dated June 16, 2026

Options in IRA

Limited or assisted

Approved IRA options/spreads; $10,000 limited-margin minimum

Retirement spreads have separate approval/agreement, $10,000 equity and $2,000 cash reserve. Debit/credit reserve treatment differs; limited margin alone is not automatic spread permission. Replace recorded $25,000.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

Crypto in IRA

Limited or assisted

Separate Fidelity Crypto IRA in eligible states; linked brokerage IRA required

Same-registration linked funding IRA. BTC/ETH/LTC/SOL, not California/Oregon; $0 opening/maintenance/custody and 1% buy/sell fee; no coin transfers. Ordinary brokerage crypto-ETF eligibility needs its own IRA trace.

• Provider source — edition date not stated

Custodial Roth for a minor

Published IRA feature

Roth IRA for Kids; $0 opening minimum

Minor under 18 with earned income; custodial handoff at state-dependent 18–25 age. Use current product URL; vendor tax figures do not replace IRS verification.

• Provider source — edition date not stated

Excess-contribution correction route

Published IRA feature

Published online return-of-excess and recharacterization routes

Standard paths are online. Previously external-held assets may need prior-firm earnings information/calculation. No all-atypical-cases no-paper/no-phone guarantee.

• Provider source — edition date not stated

Inherited IRA opening route

Limited or assisted

Online inherited opening/death reporting; phone guidance recommended

Traditional/Roth digital entries published, with case/external-transfer qualifications. This is not proof that complete beneficiary claims never require assistance or documents.

• Provider source — edition date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 to open; $25/year service fee with stated waivers

Effective July 10 schedule has electronic-document, qualifying-asset/advisory/wealth waivers. Individual investments have their own minimums. Remove subjective waiver ease and old schedule-date framing.

• Provider source — Vanguard Brokerage Services commission and fee schedules effective July 10, 2026
• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$100 full closure/outbound transfer; stated waivers

The same charge covers a full closure/transfer, not two stacked fees. Qualifying-asset $5 million, Wealth/advisory waivers; ordinary partial transfer/ACH not that charge. Other delivery/liquidation costs are not cleared.

• Provider source — Vanguard Brokerage Services commission and fee schedules effective July 10, 2026

Idle-cash treatment

Terms and pricing

Federal Money Market default; eligible Cash Deposit optional

Brokerage settlement rules and IRA product context support the distinction. Money-fund shares are not FDIC deposits; optional bank deposits have eligibility/aggregation limits.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

IRA match or bonus

Not confirmed

Unknown — no public IRA match established

Reviewed IRA/pricing pages establish no match offer, but omission is not a universal promotion exclusion.

• Provider source — edition date not stated
• Provider source — Vanguard Brokerage Services commission and fee schedules effective July 10, 2026

401(k) rollover help

Published IRA feature

Online initiation; plan-dependent forms/checks and assistance

Published IRA opening/acceptance-letter steps support digital initiation. Old plan may require forms/medallion; check or mobile deposit routes do not mean end-to-end paperless rollover.

• Provider source — edition date not stated

Roth conversion route

Published IRA feature

Published online Vanguard-held IRA conversion

Digital logged-in conversion entry is advertised. Do not promise every account, asset or case was transaction-tested or lacks additional requirements.

• Provider source — edition date not stated

Fractional shares

Limited or assisted

Vanguard ETF fractions from $1 in IRAs; mutual funds separate

IRA overview supplies affirmative IRA context. Individual stocks/non-Vanguard ETF fractional orders are not established; mutual-fund investment minimums vary.

• Provider source — edition date not stated
• Provider source — edition date not stated

Automatic investing

Not confirmed

Unknown — exact self-directed ETF recurring scope; IRA plans advertised

Recurring IRA investing and bank-linked scheduling supported. General ETF education does not establish current eligible ETF universe or the claimed January 2025 launch.

• Provider source — edition date not stated
• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

Eligible securities/account dividend reinvestment without program commissions

Program affirmatively covers Brokerage/Cash Plus accounts with withholding exclusions; online elections supported. Preserve eligibility restrictions.

• Provider source — edition date not stated

Options in IRA

Limited or assisted

Approved IRA Levels 1–2: covered/protective, long options and CSPs

Options application printed page 6 specifies IRA restrictions. No Level 3 offering/Level 4 IRA permission. Official PDF accessed at personal1; precise edition date not established.

• Provider source — Application OAAF012025 (January 2025 identifier); attached agreement effective October 20, 2011

Crypto in IRA

Not confirmed

Unknown — IRA-specific access to third-party crypto funds

Current general brokerage policy permits select third-party crypto ETFs/mutual funds and no proprietary products. Specific IRA execution and direct-coin exclusion not established.

• Provider source — Article dated December 1, 2025

Custodial Roth for a minor

Published IRA feature

Custodial Roth offered; published online start

Parent account and child information required; state-dependent 18/21 handoff. Advertised start is not every case's fully paperless completion.

• Provider source — edition date not stated

Excess-contribution correction route

Limited or assisted

Electronic excess process; recharacterization form or specialist

Electronic IRA/ESA excess removal advertised; linked process fetch failed, so DocuSign identity/UI unverified. Most recharacterizations use form or 800-205-6189.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated; current access or scope not confirmed

Inherited IRA opening route

Limited or assisted

Digital claim start for eligible named beneficiaries

Published document upload/account choice; relationship and estate qualifications apply. Do not generalize to every executor/trust/complex case.

• Provider source — edition date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 minimum; no annual fee

Current IRA product pages explicitly state no opening minimum or annual IRA fee. Transaction fees, fund expenses, commissions and service charges can still apply; the record is not a no-fees-of-any-kind claim.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Transfer-out fee

Terms and pricing

$75 full transfer out

Current Special Request Fees list $75 for a full outgoing account transfer. A separate partial-transfer rate is not published on that page; its absence does not establish that a partial transfer is free.

• Provider source — Undated current HTML; publisher publication/update date not stated

Idle-cash treatment

Terms and pricing

Bank Deposit Program sweep; Self-Directed Roth IRAs explicitly eligible, subject to program terms

The currently linked June 2025 Bank Deposit Program disclosure expressly includes Self-Directed Roth IRAs. Sweep balances are subject to program bank/deposit limits and any overflow rules; not every investment asset is FDIC insured.

• Provider source — JUNE 2025 Bank Deposit Program disclosure; currently linked
• Provider source — Undated current HTML; publisher publication/update date not stated

IRA match or bonus

Limited or assisted

Tiered new-money IRA bonus under RETIRE26 through 2026-10-31; not a percentage contribution match

RETIRE26 is a tiered new-money IRA reward, not a recurring percentage contribution match. Open by October 31, 2026 and fund from eligible external assets within 60 days; tiers range from $50 at $1,000 to $10,000 at $5 million. The 12-month hold begins after the 60-day funding window. Account eligibility, payment timing and clawback rules apply; no ongoing match is published in these checked terms.

• Provider source — RETIRE26 terms, offer deadline 2026-10-31; publication date unstated

401(k) rollover help

Limited or assisted

Online application + dedicated Retirement Specialists

The provider publishes online Rollover IRA opening, Retirement Specialists at 877-921-2434, Capitalize assistance and direct-rollover check/FBO instructions. Plan-administrator cooperation and processing are still required.

• Provider source — Undated current HTML; publisher publication/update date not stated

Roth conversion route

Published IRA feature

Yes — online self-service

The retirement FAQ and current forms index offer online Roth conversion request submission. This is a supported online request process, not a promise of instantaneous completion or tax advice.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Fractional shares

Not confirmed

Unknown

The current fractional page describes a pilot beginning with the S&P 100 and expanding in waves, select eligible stocks/ETFs, $5 minimum and three-decimal share quantities. Dollar-notional orders are described as future. Roth trade-ticket eligibility and the complete current pilot universe were not explicitly confirmed.

• Provider source — Undated current HTML; publisher publication/update date not stated

Automatic investing

Limited or assisted

Yes — ETFs & mutual funds, $25 minimum

The dated Automatic Investing guide expressly includes retirement accounts for eligible ETFs, mutual funds and Prebuilt Portfolios starting at $25. Security eligibility and the chosen schedule apply; individual-stock recurrence is not established by this source.

• Provider source — 2025-09-16 guide

Dividend reinvestment

Not confirmed

Unknown

Public pages/forms advertise DRIP, but Roth IRA scope was not explicitly established in the retrieved text. The current forms-index PDF link redirects to Page Not Found HTML rather than the claimed PDF.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Not a retrieved PDF: redirect to Page Not Found HTML; current access or scope not confirmed

Options in IRA

Limited or assisted

Yes - approved options, including spreads via limited-margin Roth IRA; no borrowing or naked strategies

Current limited-margin documentation explicitly includes Roth IRAs, a $2,000 minimum and approved option spreads under the retirement-account agreement. It allows use of unsettled funds, not borrowing, debit balances, naked strategies or leverage. Specific Level 3/4 requirements and a complete account-type eligibility list are not verified by these sources.

• Provider source — Client Agreement for Self-Directed Accounts; effective May 20, 2026
• Provider source — 2026-06-08 guide

Crypto in IRA

Limited or assisted

Crypto ETPs/ETFs, coin trusts and eligible futures in IRAs; spot trading uses a separate zerohash account

The current crypto page includes crypto ETPs/ETFs, coin trusts and eligible futures in IRAs. Spot BTC/ETH/SOL uses a separate zerohash account with a linked individual E*TRADE brokerage account, not an IRA holding. No unverified launch year is asserted.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Custodial Roth for a minor

Published IRA feature

Yes — IRA for Minors

IRA for Minors explicitly permits Roth or Traditional accounts for under-18 children with earned income. A qualifying guardian establishes and maintains the account; citizenship/residency/address requirements and one-guardian rule apply.

• Provider source — Undated current HTML; publisher publication/update date not stated

Excess-contribution correction route

Limited or assisted

Excess removal via signed PDF/upload; recharacterization has published online submission

The May 2026 IRA Distribution Request provides a signed excess-removal PDF/upload route. The current forms index separately provides online recharacterization submission. These are distinct workflows, not a single blanket form-only/no-online process.

• Provider source — 3210 / 05-2026
• Provider source — Undated current HTML; publisher publication/update date not stated

Inherited IRA opening route

Limited or assisted

Online application; existing E*TRADE inheritance starts by phone, external inherited transfer has online instructions

For a decedent's existing E*TRADE account, instructions begin with Beneficiary Services phone notification, followed by application and death-certificate documents. Externally held inherited IRAs have online application/transfer instructions. Neither route is an instant paperwork-free opening.

• Provider source — Undated current HTML; publisher publication/update date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 minimum; no annual fee listed

Current Self-Directed Roth/rollover pages state no minimum balance and no annual account fee. Service and closing charges may apply. Advisory program minimums and fees are separate products and are not Self-Directed account pricing.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Transfer-out fee

Terms and pricing

$49.95 full transfer or IRA closeout, non-additive; $0 partial

The 11/2025 Self-Directed legal sheet expressly makes the full-transfer fee non-additive to closeout fees. Each listed charge is $49.95; current pricing lists partial transfer $0.

• Provider source — 11/2025; SHEET-11-25-0005 / MAP8318446 / 00-66-0867NSB
• Provider source — Undated current HTML; publisher publication/update date not stated

Idle-cash treatment

Terms and pricing

Bank deposit sweep (RASP)

The ADA May 2026 sweep chart expressly assigns Self-Directed Roth IRAs to the Retirement Asset Savings Program at Bank of America, N.A. and Bank of America California, N.A. It does not offer a money-market sweep for that category. Program/FDIC conditions apply.

• Provider source — ADA 05/2026

IRA match or bonus

Limited or assisted

Tiered one-time new-money IRA reward up to $600 under 600ME; no ongoing contribution match published in checked offer

Current offer code 600ME rewards qualifying new Traditional/Roth/SEP IRA assets: $100 at $20,000, $150 at $50,000, $250 at $100,000 and $600 at $200,000. Fund within 45 days, then retain for 90 days after meeting the funding criteria; stated payment timing and eligibility apply. No expiry was observed and no ongoing percentage contribution match is published in the checked offer.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

401(k) rollover help

Limited or assisted

Online IRA opening; request rollover from plan administrator with specialist assistance

Current instructions document online IRA opening, a request to the former employer's plan administrator and specialist/check assistance. A brokerage account-transfer tool is not proof that a 401(k) plan distribution is initiated online.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Roth conversion route

Limited or assisted

Conversion request via e-sign or PDF; phone assistance available

The current retirement forms library offers a Roth IRA conversion e-sign option and a PDF alternative, with phone assistance on the product page. The Rev January 2026 paper form does not establish a universal wet-signature-only requirement or instant processing.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — 0871CONV Rev 01/26

Fractional shares

Not confirmed

Unknown

The September 18, 2026 Guided Investing brochure documents fractional advisory holdings. Self-Directed Roth trade-ticket fractional purchase availability remains unconfirmed; the advisory document is not proof of advisory-only availability or a Self-Directed prohibition.

• Provider source — 2026-09-18 / MGI-2A092026
• Provider source — Undated current HTML; publisher publication/update date not stated

Automatic investing

Not confirmed

Unknown

The current forms library advertises a mutual-fund Automatic Investment Plan. The old user-guide body could not be retrieved, and Self-Directed Roth purchase eligibility was not explicitly confirmed. No universal stock/ETF recurrence prohibition is inferred.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Unknown: source body retrieval failed; current access or scope not confirmed

Dividend reinvestment

Not confirmed

Unknown

A dividend/capital-gain reinvestment election form is published with general security eligibility and submission channels. Self-Directed Roth eligibility was not explicitly affirmed in the retrieved form text.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — DIVPDFV1; LET-02-24-0387 / 02/2024; three-page PDF

Options in IRA

Limited or assisted

Yes — limited strategies

The IRA-specific options page expressly lists covered calls, cash-covered puts, long calls and long puts, subject to application/approval. Omission of spreads is not itself an express universal prohibition.

• Provider source — Undated current HTML; publisher publication/update date not stated

Crypto in IRA

Not confirmed

Unknown

Current Self-Directed Roth crypto/ETP eligibility remains unconfirmed. An investment lineup's omission and press reports about other Merrill account types are not a verified negative or positive for this product.

• Provider source — Undated current HTML; publisher publication/update date not stated

Custodial Roth for a minor

Not confirmed

Unknown

The forms library still lists a generic Minor IRA entry, but its linked new-account PDF returned 404. Current new minor Roth opening eligibility and channel have not been verified; existing minor-account maintenance does not settle new opening availability.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Unknown: linked PDF returned HTTP 404; current access or scope not confirmed

Excess-contribution correction route

Limited or assisted

Written authorization required for excess return; recharacterization form published; online alternatives not verified

The Rev June 2026 Roth agreement requires written authorization to return excess contributions, and the library publishes a contribution-recharacterization form. Exclusive paper/no-online channels and an owner-only earnings-calculation requirement have not been established.

• Provider source — Rev 06/2026, 209581PM0626 / 581626
• Provider source — Undated current HTML; publisher publication/update date not stated

Inherited IRA opening route

Not confirmed

Unknown

The current forms index links an Inherited IRA application, but repeated PDF body retrievals timed out. HTTP PDF headers and Last-Modified date do not verify the application's publisher edition or mail/fax/current online submission rules.

• Provider source — Unknown: PDF body retrieval timed out; HTTP Last-Modified is not publication edition; current access or scope not confirmed
• Provider source — Undated current HTML; publisher publication/update date not stated

Public sources checked October 4, 2026; IRA offer rechecked October 7. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 opening minimum; no annual/maintenance/inactivity fee listed in current SDI schedule

The current FAQ explicitly states no opening minimum. The current SDI fee schedule lists no annual, maintenance or inactivity charge, but an omitted fee is not an affirmative universal no-fee guarantee. Full-service IRA agreement fee provisions are not substituted for SDI pricing.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Served current-linked two-page SDI schedule; revision/publication date not identified
• Provider source — Undated current HTML; publisher publication/update date not stated

Transfer-out fee

Terms and pricing

$75 full account transfer or termination; no partial-transfer fee published

The current SDI schedule lists $75 when all retirement-account assets are distributed or transferred out, with stated internal investment/annuity exceptions. It lists no partial-transfer fee; that is not proof a partial transfer is free in every circumstance.

• Provider source — Served current-linked two-page SDI schedule; revision/publication date not identified

Idle-cash treatment

Not confirmed

Unknown

J16 is a PCA/FA-serviced advisor booklet, not proof of a Self-Directed Roth default. That default remains unverified; bank affiliation does not establish a bank-deposit default.

• Provider source — 103-page PCA/FA-service booklet; general/brokerage Revised August 2026; advisory Revised September 2026
• Provider source — Undated current HTML; publisher publication/update date not stated

IRA match or bonus

Limited or assisted

Tiered first-account IRA bonus up to $1,000; offer-page opening deadline 2027-01-21; no recurring contribution match published in this checked signup offer

Traditional/Roth IRAs qualify only as the primary holder's first Self-Directed Investing account opened through the offer page by January 21, 2027. External new money earns $50/$150/$325/$1,000 at $5,000/$25,000/$100,000/$250,000. Fund within 45 days of enrollment (tier set day 45); maintain the new-money balance through day 90 from enrollment, ignoring market losses; credit within 15 days after requirements. JPMorganChase/affiliate assets excluded. One promotion/customer and one bonus/account; only one new-money bonus in 12 months from last enrollment. Account must be open/unrestricted at payout. Terms may change/end; award tax reporting may apply. This checked signup offer is a tiered bonus, not a recurring contribution match.

• Provider source — Offer-page opening deadline 2027-01-21; publication/update date not established; checked October 7, 2026

401(k) rollover help

Limited or assisted

Supported; customer contacts plan administrator — no fee; checks by mail, branch, or mobile deposit

Open the IRA online, request a direct-rollover check from the plan administrator payable to JPMS FBO the IRA owner, and deliver by mail, branch or Chase QuickDeposit. Retirement Desk support is published. J.P. Morgan's own no-rollover-fee statement does not waive a former plan's charges.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Roth conversion route

Limited or assisted

Pen-signed conversion form with mail/secure upload; fully self-service alternative not verified

The published conversion PDF requires a pen signature and provides mail or secure-upload submission. It establishes that route, not the absence of every online alternative or instant settlement.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Served seven-page PDF; revision/publication date not identified

Fractional shares

Limited or assisted

Yes - eligible fractional stock/ETF purchases in Roth IRA from $5; eligible universe varies

The Roth page explicitly advertises fractional stock/ETF investing inside an IRA from $5. Feature pages describe eligible S&P 500/Nasdaq 100 securities, and the crypto-ETF page expressly includes eligible ETF purchases and fractions in IRAs. Eligible securities and availability can change; not all securities qualify.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Automatic investing

Limited or assisted

Yes - mutual-fund recurring purchases in Self-Directed IRAs; stock/ETF IRA recurrence not verified

The current FAQ explicitly permits recurring mutual-fund purchases in Self-Directed IRAs. It separately describes stock/ETF recurring investments without an explicitly verified IRA scope in the retrieved eligibility statement. Recurring cash deposits are a different feature.

• Provider source — Undated current HTML; publisher publication/update date not stated

Dividend reinvestment

Published IRA feature

Yes — account-level or per-position reinvestment

Proper Self-Directed agreement defines retirement brokerage and generally permits eligible brokerage DRIP, with account-level or individual-security elections. Account/security exclusions apply; not every symbol or account is guaranteed.

• Provider source — 33000dbaa_CYI v13.1; Revised August 2026; Self-Directed Investing agreement
• Provider source — Undated current HTML; publisher publication/update date not stated

Options in IRA

Limited or assisted

Yes — Levels 1–2 (covered calls, cash-secured/protective puts, long calls/puts); no spreads

Traditional and Roth IRAs are expressly eligible for approved Levels 1-2: covered calls, cash-secured/protective puts and long calls/puts. The current FAQ expressly excludes multi-leg and index options platform-wide; account approval is required.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Crypto in IRA

Limited or assisted

Eligible crypto ETFs available in Self-Directed IRAs; no direct individual crypto on SDI platform

The current crypto-ETF page expressly permits eligible crypto ETF purchases in Individual Retirement Accounts. The platform expressly does not offer direct individual cryptocurrency buying/holding. Eligibility is symbol-specific, not a claim every crypto ETF is tradable.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Custodial Roth for a minor

Not confirmed

Unknown

A taxable UTMA is published, but omission of minor Roth from the account comparison does not prove unavailability. Current new custodial Roth eligibility remains unconfirmed.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Excess-contribution correction route

Not confirmed

Unknown

The forms index publishes excess-removal and recharacterization PDFs and also offers Transfer online for the SDI distribution entry. The exact online excess-correction scope was not tested because it requires a logged-in workflow. Neither a blanket no-online claim nor fully self-service correction is confirmed.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Served 12-page PDF; revision/publication date not identified
• Provider source — Served two-page PDF; revision/publication date not identified

Inherited IRA opening route

Not confirmed

Unknown

Estate Services documents notification by phone/branch and return of completed forms/documents. The current inherited IRA online opening or exclusive mailed-form requirement was not established by that general estate process.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 opening minimum; no annual account fee listed in current WellsTrade service schedule

Current WellsTrade marketing advertises a $0 opening minimum. The current service schedule lists no annual account fee; trading, fund and service charges can apply. An omitted annual fee is not a universal no-fee guarantee.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current fee HTML; margin subtable as of 09/17/26 only, not entire service schedule edition
• Provider source — Undated current HTML; publisher publication/update date not stated

Transfer-out fee

Terms and pricing

$49.95 outgoing transfer; IRA termination charge/waivers listed separately - stacking not established

The current schedule lists $49.95 per outgoing account transfer and a separate $49.95 IRA termination entry. Termination waivers include the stated age/death/disability cases and full distributions through Access Online. The two lines alone do not establish a universal $99.90 stacked exit bill.

• Provider source — Undated current fee HTML; margin subtable as of 09/17/26 only, not entire service schedule edition

Idle-cash treatment

Terms and pricing

Bank Deposit Sweep through affiliated program banks for eligible IRA cash; program terms apply

Current-linked disclosure 578326, Rev 52-09/25, describes the Bank Deposit Sweep through affiliated program banks for eligible IRA cash, with program/FDIC terms and other arrangements for ineligible categories. The IRA product page confirms a cash sweep; no dynamic APY is guessed.

• Provider source — Rev 52-09/25, form 578326; currently linked disclosure
• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

IRA match or bonus

Not confirmed

Unknown

No IRA contribution match was published in the WellsTrade IRA and service-fee sources checked. This is not exhaustive proof that no current promotional offer exists, and bank-side checking rewards are not IRA matches.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current fee HTML; margin subtable as of 09/17/26 only, not entire service schedule edition

401(k) rollover help

Limited or assisted

Phone-guided; dedicated Rapid Rollover team

The FAQ documents contacting the former plan administrator, completing the IRA/ESA rollover contribution form and using the dedicated Rapid Rollover team. This is assisted processing, not a verified completely paper-free initiation.

• Provider source — Undated current HTML; publisher publication/update date not stated

Roth conversion route

Limited or assisted

Phone + paperwork (documented email/fax/mail route)

The published Roth conversion process begins with a phone call, followed by paperwork sent by email, fax or mail. That is the documented route; the review did not establish the absence of all online alternatives.

• Provider source — Undated current HTML; publisher publication/update date not stated

Fractional shares

Limited or assisted

Yes — Stock Fractions (mobile app only)

The dedicated Stock Fractions page explicitly includes Traditional/Roth IRA opening and eligible stock/ETF purchases in the mobile app. Trades are $10-$25,000 during regular market hours, limited to the published eligible universe of hundreds of securities.

• Provider source — Undated current HTML; publisher publication/update date not stated

Automatic investing

Not confirmed

Unknown

Recurring cash transfers into the IRA are documented, but recurring purchases of securities in a Roth IRA were not confirmed from current primary text. Third-party claims of a mutual-fund plan are not current proof.

• Provider source — Undated current HTML; publisher publication/update date not stated

Dividend reinvestment

Not confirmed

Unknown

WellsTrade FAQ advertises app navigation to dividend-reinvestment management. The retrieved text does not explicitly establish Roth IRA eligibility; the value remains Unknown.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Options in IRA

Limited or assisted

Yes — approval level detail not published

The IRA-specific product page explicitly includes options, subject to an application and approval. Current permitted strategy levels for Roth IRAs were not published in the retrieved text; no spreads/covered-strategy levels are invented.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Crypto in IRA

Not confirmed

Unknown

April 1, 2026 provider commentary discusses client crypto-ETF interaction, but current WellsTrade Roth symbol/solicitation eligibility and direct-crypto product restrictions were not established by an IRA-specific policy.

• Provider source — Current as of 2026-04-01 commentary
• Provider source — Undated current HTML; publisher publication/update date not stated

Custodial Roth for a minor

Not confirmed

Unknown

The current Roth agreement, effective May 21, 2026, includes a minor-account provision using state UTMA/UGMA arrangements. Current new minor Roth opening eligibility/channel remains unconfirmed; this evidence must not be converted into a No.

• Provider source — Rev 27-05/26; effective 2026-05-21
• Provider source — Undated current HTML; publisher publication/update date not stated

Excess-contribution correction route

Not confirmed

Unknown

Current public forms/agreement materials do not establish the specific excess-removal/recharacterization self-service channel. Generic mail/fax instructions are not proof that those exact corrections must use phone/paper.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Rev 27-05/26; effective 2026-05-21

Inherited IRA opening route

Limited or assisted

Phone-assisted inherited IRA opening is the published route; no self-service online route verified

The current account-opening page specifically directs inherited IRA opening by phone, while ordinary Traditional/Roth have online opening selectors. This is the published assisted route, not a claim that all internal processing is offline.

• Provider source — Undated current HTML; publisher publication/update date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 self-directed minimum; no annual IRA fee

The cash self-directed account has no opening minimum and the commission schedule publishes no annual IRA charge. Robo and advisory minimums/management are different products; transaction, transfer and closure charges remain.

• Provider source — edition date not stated
• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$50 transfer; $25 IRA closure when applicable

The schedule separately lists $50 outgoing transfer and $25 IRA closing. A full transfer that also closes the IRA can total $75. A partial transfer does not automatically imply a closure charge.

• Provider source — edition date not stated
• Provider source — edition date not stated

Idle-cash treatment

Terms and pricing

Free credit; separate elective bank-sweep terms

The schedule describes non-interest-bearing free credit. Served Apex bank-sweep terms describe an elective program, but actual Roth eligibility/default enrollment was not established. Do not claim every IRA dollar automatically reaches a bank sweep.

• Provider source — edition date not stated
• Provider source — Currently served elective Apex bank-sweep terms; revision date unestablished

IRA match or bonus

Terms and pricing

3.5% offer closed to new enrollment

Enrollment ended July 31, 2026. Only previously qualified customers may still fund by December 31, 2026, subject to the 24-month holding and other conditions. The regular-contribution promotion excludes transfers/rollovers/conversions/recharacterizations. Exclude from a new-reader live-offer chart.

• Provider source — Enrollment ended July 31, 2026; qualified participants' funding deadline December 31, 2026

401(k) rollover help

Limited or assisted

Online opening; old-provider rollover coordination

Rollover help supports starting an IRA and coordinating with the former plan. Published account opening does not mean every plan rollover finishes without a check, forms or support.

• Provider source — edition date not stated

Roth conversion route

Not confirmed

Current self-service conversion route not confirmed

General forms/upload instructions do not establish a current Roth conversion flow or categorical paper-only rule. Confirm the actual IRA-specific conversion procedure.

• Provider source — edition date not stated
• Provider source — edition date not stated

Fractional shares

Limited or assisted

DRIP fractions confirmed; new fractional buys unconfirmed

The dividend program reinvests into fractional positions. That is not proof of independent dollar-based fractional purchase orders for every eligible IRA security.

• Provider source — edition date not stated

Automatic investing

Limited or assisted

Recurring IRA cash funding

Recurring deposits can be arranged. An IRA funding schedule is not proof of automatic stock/ETF purchase instructions; confirm the desired investment type.

• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

Dividend reinvestment for eligible investments

Published DRIP supports eligible securities and fractional reinvestment. The dividend feature does not establish every possible fraction-trading or transfer capability.

• Provider source — edition date not stated

Options in IRA

Limited or assisted

IRA options through Level 3, subject to approval

IRA-specific help permits approved limited strategies through Level 3. Cash/security cover and strategy restrictions apply; no borrowing or unrestricted naked-option permission is implied.

• Provider source — edition date not stated

Crypto in IRA

Not confirmed

IRA crypto availability not confirmed

General self-directed product material is not affirmative Roth crypto/crypto-ETF eligibility evidence. Withdraw the previous unsupported universal exclusion.

• Provider source — edition date not stated
• Provider source — edition date not stated

Custodial Roth for a minor

Not confirmed

Minor Roth product/opening not confirmed

General custodial-account availability is not proof of a custodial Roth IRA, nor does silence prove it unavailable.

• Provider source — edition date not stated

Excess-contribution correction route

Limited or assisted

IRA corrective form submission

IRA help publishes a forms-based excess-contribution process with submission assistance. The form procedure is supported, but instant online calculation/completion is not claimed.

• Provider source — edition date not stated

Inherited IRA opening route

Not confirmed

Inherited IRA online workflow not confirmed

The checked investment IRA material does not establish a current inherited-Roth opening/completion route. The bank-estate page is not investment-IRA proof and is not used.

• Provider source — edition date not stated
• Provider source — edition date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 IRA deposit minimum; $0 published inactivity fee

Explicit IRA minimum and Pro/Lite inactivity statements supported. Other fees exist; no annual IRA line in checked schedule is not an all-fees prohibition. Remove absolute no-annual/no-maintenance claim.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$0 IBKR outgoing IRA ACATS charge, full or partial

Explicit outgoing IRA FAQ plus ACATS schedule. Other firms/methods can charge; no all-security-delivery/closure guarantee.

• Provider source — edition date not stated
• Provider source — edition date not stated

Idle-cash treatment

Terms and pricing

Conditional broker-cash interest; eligible IRA optional bank sweep

USD interest threshold $10,000; full qualifying rate requires $100,000 NAV, smaller NAV scales it. Opt-in bank sweep includes qualifying IRA USD free credits above $250,000. No universal interest/insurance guarantee or unobserved marketing quote.

• Provider source — edition date not stated
• Provider source — edition date not stated

IRA match or bonus

Not confirmed

Unknown — no public IRA match established

Enumerated funding methods and reviewed fee/account pages do not prove no promotion exists.

• Provider source — edition date not stated
• Provider source — edition date not stated

401(k) rollover help

Published IRA feature

Online plan-letter/initiation; plan forms/checks still apply

FAQ provides administrator letter and deposit-notification workflow. No concierge established, not proof every assistance option is absent. Traditional rollover example does not exclude all Roth-plan paths.

• Provider source — edition date not stated

Roth conversion route

Published IRA feature

Published full/partial online IRA conversion

Current FAQ supports account selection/withholding/review. Remove uncorroborated 2% cash-buffer and account-closure promises; older guide has stale legal material and conflicts with IRA page despite update stamp.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

Fractional shares

Published IRA feature

Eligible IRA fractionals with entity/security/permission conditions

$1 product entry, affirmative any-client recurring eligibility and explicit IRA fractional DRIP provide account context. No universal all-symbol/all-country assurance.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

Automatic investing

Published IRA feature

Eligible stock/ETF Recurring Investments with fractional permission

Named-entity clients with permission, $10 USD minimum and available cash; standard commissions. Refresh entity/navigation text; no mutual-fund recurring or free-transaction inference.

• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

IRA explicitly eligible for commission-bearing DRIP

Eligible US/Canadian securities, permissions and security elections. Tiered commission lesser of $0.35/0.1%; Fixed lesser of $1/0.1%. Use canonical FAQ, not old KB redirect.

• Provider source — edition date not stated

Options in IRA

Limited or assisted

Approved IRA options with spread exercise/expiry restrictions

Cash type: European exercise and long expiry at/after short. Margin type: exercise-style restriction relaxed but same long-expiry rule remains. No cash borrowing/short stock/naked options; stale settlement/PDT discussion not adopted.

• Provider source — edition date not stated

Crypto in IRA

Not confirmed

Unknown — spot/crypto-ETP IRA access; crypto futures excluded

Retirement cryptocurrency-futures exclusion explicit. Generic ETF IRA permission has partnership/UBTI limits and does not establish specific crypto-ETF availability. Product omission is not a spot-coin exclusion.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

Custodial Roth for a minor

Not confirmed

Unknown — custodial Roth not established

Customer-type/age lists are not a universal custodial IRA exclusion. Remove unsupported Trump-account offering sentence; UGMA/UTMA brokerage is not custodial IRA.

• Provider source — edition date not stated
• Provider source — edition date not stated

Excess-contribution correction route

Not confirmed

Unknown — recharacterization execution; online excess withdrawal published

Current/prior-year excess is a supported online distribution type. Recharacterization FAQ only defines term. Delete guessed Message Center/support execution route; combined workflow not fully verified.

• Provider source — edition date not stated
• Provider source — edition date not stated

Inherited IRA opening route

Not confirmed

Unknown — complete beneficiary claim; inherited IRA offered/standard application online

Inherited customer types and online standard opening supported, with due-diligence/residency limits. No dedicated full beneficiary-claim evidence; remove forced yes/admin-chip inference.

• Provider source — edition date not stated
• Provider source — edition date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 minimum; $0 setup, annual and maintenance fees; service fees may apply

No minimum to open a Roth IRA. Setup, annual and maintenance fees are listed as $0; transfer, delivery and other service charges can still apply.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Undated current HTML; publisher publication/update date not stated

Transfer-out fee

Not confirmed

Unknown

Public primary sources conflict: the special-services schedule lists full ACAT at $75, while the IRA help article dated June 8, 2026 lists full ACAT at $50 and full non-ACAT at $75. Both list $55 partial. The help article requires partial transfers to leave at least $500 total value including at least $55 cash. A single current full-ACAT rate has not been reconciled.

• Provider source — 2026-06-08 help article
• Provider source — Undated current HTML; publisher publication/update date not stated

Idle-cash treatment

Terms and pricing

FDIC bank sweep via Apex; IRA agreement includes sweep consent

The IRA Online Service Agreement expressly includes consent to the FDIC bank sweep administered through Apex. Program eligibility, participating-bank and FDIC ownership-category limits apply. A universal absence of alternative sweep arrangements has not been established.

• Provider source — 2025-09-02 help article
• Provider source — IRAOSASU_EN_1224; current form-center link

IRA match or bonus

Not confirmed

Unknown

No ongoing IRA contribution match was published in the retirement and transfer-offer sources checked. The published transfer-fee rebate reimburses actual qualifying outgoing fees up to $250 for eligible transfers of at least $2,500, with proof and retention requirements. This is not exhaustive proof that no other offer exists.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Terms effective 2025-08-18

401(k) rollover help

Limited or assisted

Online initiation via Capitalize partner

The published web instructions initiate a 401(k) rollover through Account > Deposit/Transfer > Account Transfer using Capitalize. Capitalize helps locate the plan, complete paperwork and coordinate the transfer; the documented initiation is not in the mobile app.

• Provider source — 2025-11-13 help article

Roth conversion route

Limited or assisted

Form-based (upload online)

The documented Traditional-to-Roth route is to complete the Roth conversion form and upload it through the online account. This establishes that form-upload channel, not instant settlement or the absence of every alternative.

• Provider source — 2024-08-05 help article

Fractional shares

Published IRA feature

Yes — $5 minimum, 4,000+ stocks/ETFs

The current primary account-eligibility FAQ explicitly covers every account type. Fractional trading starts at $5 and covers more than 4,000 eligible stocks/ETFs; security eligibility can change.

• Provider source — Undated current HTML; publisher publication/update date not stated; current access or scope not confirmed

Automatic investing

Not confirmed

Unknown

A mutual-fund recurring-investment plan is published, requiring an existing fund position and signed application/upload. The current plan has a $50 minimum subject to a higher fund minimum. Roth recurring-purchase eligibility and a universal exclusion of stock/ETF recurring purchases were not explicitly established.

• Provider source — 2025-07-16 help article
• Provider source — 1105P-UPIP 2026-05-04; current form-center link

Dividend reinvestment

Not confirmed

Unknown

Free eligible-equity DRIP and online account-wide/per-security enrollment are documented. The retrieved public text does not explicitly affirm Roth IRA eligibility; absence of an exclusion is not sufficient to confirm that scope.

• Provider source — Undated current HTML; publisher publication/update date not stated

Options in IRA

Limited or assisted

Yes — covered calls, cash-secured puts, long options

The IRA-specific help article expressly permits covered calls, cash-secured equity puts, and purchases of calls and puts only, subject to approval. Its no-margin restriction is Firstrade-specific and is not a rule that all brokers prohibit limited-margin retirement accounts.

• Provider source — 2024-08-06 help article

Crypto in IRA

Not confirmed

Unknown

The general eligible-IRA investment list does not establish current spot-crypto restrictions or crypto-ETF symbol eligibility. Current Roth crypto-linked investment access remains unconfirmed.

• Provider source — 2024-08-06 help article

Custodial Roth for a minor

Limited or assisted

Yes — paper application

Minor Roth and Traditional IRAs are expressly offered through a paper application and IRA agreement with guardian ID, minor earned-income evidence and custodian information. Existing customers can upload documents; other published channels are fax/mail. Typical processing is 2-3 business days.

• Provider source — 2026-04-29 help article

Excess-contribution correction route

Limited or assisted

Signed Roth distribution form published for excess removal/recharacterization; online self-service alternative not verified

The current form-center Roth distribution PDF, PF10074-UDST dated June 17, 2026, includes signed excess-removal and recharacterization instructions. A fully self-service alternative has not been verified; operational form fields are not tax-law authority.

• Provider source — PF10074-UDST 2026-06-17; current form-center link
• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — Superseded historical PDF; publication/revision edition not established; current access or scope not confirmed

Inherited IRA opening route

Not confirmed

Unknown

The current Roth distribution form provides beneficiary withdrawal/transfer fields, but that is not an inherited-account opening procedure. Current opening channel and any online claim workflow remain unconfirmed.

• Provider source — 2025-09-09 help article
• Provider source — PF10074-UDST 2026-06-17; current form-center link

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$1,000 IRA minimum; product-specific $20/$30 annual fees and waivers

Fund small-account charge is $20; brokerage maintenance $30. Eligibility/e-delivery/asset waivers apply. Repair minimum-only projection without combining unlike products.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$50 brokerage transfer/termination; separate $20 fund IRA closeout

These are unlike products, not one customer's automatic stacked bill. Fund closeout waived if that year's service fee was already assessed; preserve method/account scope.

• Provider source — edition date not stated
• Provider source — edition date not stated

Idle-cash treatment

Terms and pricing

Brokerage money-market mutual-fund sweep

Brokerage proceeds/dividends/interest use the sweep fund. Fund-direct IRA holds its selected fund. Not a bank deposit or FDIC guarantee.

• Provider source — edition date not stated

IRA match or bonus

Not confirmed

Unknown — no public IRA match established

Reviewed account/rollover pages do not show a match but do not affirmatively exclude every program.

• Provider source — edition date not stated
• Provider source — edition date not stated

401(k) rollover help

Published IRA feature

Online IRA opening + free RolloverConcierge

Dedicated consultant, 866-294-5526, supports plan coordination. This does not establish universal digital cash movement or unpublished check-payee/mobile-deposit mechanics.

• Provider source — edition date not stated

Roth conversion route

Limited or assisted

Fund IRA conversion online; brokerage IRA paper required

FAQ explicitly distinguishes fund online/phone/form choices from required brokerage form. No unconditional online conversion or paperwork-free admin claim.

• Provider source — edition date not stated

Fractional shares

Not confirmed

Unknown — IRA stock fractional-order eligibility

Generic brokerage stock section mentions fractions; dollar-based order versus reinvestment origin and IRA-specific scope are unresolved. Mutual-fund fractions are not proof.

• Provider source — edition date not stated

Automatic investing

Limited or assisted

Mutual-fund/sweep Automatic Buy; no individual-security recurring buys

FAQ explicitly excludes individual securities. Own/non-own fund arrangements have different setup/help routes; do not call the whole feature unavailable.

• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

Dividend reinvestment is a free eligible brokerage feature

Brokerage IRA context supports the feature. Security-level eligibility/defaults not specified; remove unverified universal fund-default detail.

• Provider source — edition date not stated
• Provider source — edition date not stated

Options in IRA

Limited or assisted

Approved covered writing/long calls/puts; restricted IRA tiers

July 2024 application excludes margin-requiring spreads/uncovered tiers for IRAs. No separately established cash-secured-put tier; workplace-plan restrictions differ.

• Provider source — FBR1BOPT7/24_w

Crypto in IRA

Not confirmed

Unknown — IRA crypto/crypto-ETP access

July 16 issuer filing establishes launch, not October fund status or brokerage IRA eligibility. Generic ETF lineup does not prove TKNZ access or direct-coin exclusion. Quarantine launch superlative/token/fee detail from current capability.

• Provider source — edition date not stated
• Provider source — edition date not stated

Custodial Roth for a minor

Limited or assisted

Custodial Roth offered; phone opening advertised

August 2025 article supports earned-income account and state-dependent 18/21 handoff. No digital route established, not proof of impossibility; standard IRA minimum is not custodial-specific proof.

• Provider source — edition date not stated

Excess-contribution correction route

Limited or assisted

Published excess/recharacterization form routes

May 2024 linked excess form and current directory/FAQ support forms; post-deadline assistance/earnings handling may differ. No universal prohibition of all digital/support exceptions.

• Provider source — FMF4IECR5/24_w
• Provider source — edition date not stated
• Provider source — edition date not stated

Inherited IRA opening route

Limited or assisted

Published beneficiary claim form + assistance; full online route unestablished

August 2026 claim form covers Traditional/Roth beneficiary cases and lists 800-225-5132. Pin contacts not corroborated for this form. Do not infer no digital route under every circumstance.

• Provider source — FMF4BRAD8/26_w
• Provider source — edition date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

No annual IRA fee; optional Gold $5/month

The current rollover help states no annual IRA fee. Gold costs $5/month under match terms and is optional. An opening minimum and all managed-account charges are not certified here; self-directed and Strategies accounts must not be collapsed.

• Provider source — edition date not stated
• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$100 full or partial outgoing ACATS

Current transfer help explicitly states $100 for full or partial outgoing ACATS. Match early-removal charges are separate and depend on the program/account facts.

• Provider source — edition date not stated
• Provider source — edition date not stated

Idle-cash treatment

Terms and pricing

Self-directed IRA excluded from high-yield program

The High-Yield Cash Program expressly excludes self-directed IRAs. That is not proof that every Robinhood retirement product has identical cash treatment; Strategies-managed accounts are a different product. No APY or zero-interest guarantee is inferred for every IRA.

• Provider source — edition date not stated

IRA match or bonus

Limited or assisted

3% Gold / 1% regular; 1% eligible rollover/transfer

Current match applies to self-directed IRAs, not Strategies. Gold requires one year of membership for the extra match and matched assets have a five-year holding condition. Early-removal calculations can depend on the remaining account value; do not claim every withdrawal automatically recaptures every match dollar.

• Provider source — edition date not stated

401(k) rollover help

Published IRA feature

Capitalize or DIY cash rollover

Current app instructions support employer-plan rollovers with Capitalize or the old provider. Published process is cash-based; plan-specific requirements and tax treatment remain separate.

• Provider source — edition date not stated

Roth conversion route

Published IRA feature

App conversion from self-directed Traditional; cash only

Current instructions support cash-only Roth conversion from the self-directed Traditional IRA, to supported self-directed or managed Roth destinations. Securities may need liquidation; no in-kind conversion is promised.

• Provider source — edition date not stated

Fractional shares

Published IRA feature

IRA stock/ETF dollar-based orders

The IRA investing article explicitly supports fractional execution. Fractions are not transferable outside Robinhood; do not confuse investing by dollars with transferable whole shares.

• Provider source — edition date not stated

Automatic investing

Published IRA feature

Recurring IRA stock/ETF purchases

Current retirement investing help documents recurring investment choices. This does not determine shared IRA room, compensation eligibility or the investor's income limit.

• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

IRA dividend reinvestment

The retirement investing article describes enrollment and reinvestment into the paying stock or ETF. Eligible-product and operational conditions remain.

• Provider source — edition date not stated

Options in IRA

Limited or assisted

Approved Level 2; no Level 3

IRA approval is required separately. Current IRA-specific page permits Level 2 and excludes Level 3 strategies; no universal definition of every broker's options levels is implied.

• Provider source — edition date not stated

Crypto in IRA

Limited or assisted

Robinhood Crypto products excluded from IRA

The IRA investing article expressly excludes Robinhood Crypto LLC products. IRA-specific crypto-ETF eligibility is not established by that exclusion; do not promise either ETF access or absence of all crypto-related exposure.

• Provider source — edition date not stated

Custodial Roth for a minor

Explicitly not offered

IRAs for minors explicitly not offered

Current custodial FAQ explicitly distinguishes taxable UTMA accounts from unsupported custodial IRAs, including custodial Roth IRAs.

• Provider source — edition date not stated

Excess-contribution correction route

Limited or assisted

Support plus DocuSign adjustment

Current IRA-adjustment help publishes excess and recharacterization support with DocuSign. A supported assisted digital procedure is not an instant app-only correction and is not No service.

• Provider source — edition date not stated

Inherited IRA opening route

Not confirmed

Inherited opening/completion route not confirmed

The reviewed beneficiary-designation instructions do not affirmatively establish the current inherited-IRA opening/completion workflow. Do not turn a beneficiary feature into an account-opening guarantee.

• Provider source — edition date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 deposit minimum; optional Premium

Published pricing supports no deposit minimum. Premium is optional at $3.99/month or $40/year. No separate annual IRA account charge was established from the checked schedule; do not equate omitted fees or eligible commission-free trades with every service being free.

• Provider source — edition date not stated
• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$75 outgoing stock transfer

Published outgoing stock-transfer component is $75. A separately priced full/partial distinction and separate closure charge were not established; do not add guessed fees or quote a universal final bill.

• Provider source — edition date not stated

Idle-cash treatment

Terms and pricing

Opt-in program-bank sweep for IRAs

IRA eligibility is explicit and enrollment is required. The higher Premium brokerage cash benefit is excluded for IRAs. No fixed yield, default enrollment or complete insurance-coverage guarantee is asserted.

• Provider source — edition date not stated
• Provider source — edition date not stated

IRA match or bonus

Limited or assisted

3.5% Premium regular match; 1% transfer offer

Current Premium help advertises 3.5% on eligible regular contributions and a limited-time 1% non-Premium regular offer. Premium transfer/rollover offer is 1%, capped at $2,500, not the old 3%/$7,500. Keep Premium for one year and matched assets for five years under program conditions. Verify offer eligibility before funding.

• Provider source — edition date not stated
• Provider source — edition date not stated

401(k) rollover help

Published IRA feature

Capitalize help; check/wire rollover routes

Current IRA help supports assisted old-plan rollovers and institutional checks/wires. Old-plan requirements still matter. The provider's simplified tax-destination wording is not adopted as tax authority.

• Provider source — edition date not stated

Roth conversion route

Published IRA feature

App/web conversion; cash only

The published Traditional/Rollover-to-Roth process is self-service in the app/web and uses cash. This is a documented route, not a tested guarantee of immediate completion or every possible account case.

• Provider source — edition date not stated

Fractional shares

Limited or assisted

Eligible stock/ETF fractions in IRA recurring buys

The mobile recurring-investment article explicitly includes IRA accounts, uses eligible fractional securities and states a $1 minimum. Availability is limited to eligible securities; fractional positions are not assumed transferable in kind.

• Provider source — edition date not stated

Automatic investing

Limited or assisted

Mobile recurring IRA investments

IRA recurring purchases of eligible stocks, ETFs and Wefolios, plus recurring IRA contributions, are published. A recurring cash contribution is distinct from a purchase instruction.

• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

Retirement DRIP; eligible dividends over $1

Self-directed retirement accounts are eligible. Published dividend threshold is greater than $1, not at least $1. Advisory-account exclusion and eligible-security conditions remain.

• Provider source — edition date not stated

Options in IRA

Limited or assisted

Approved Level 2; no spreads

Cash IRAs may be approved up to Level 2. The IRA article excludes margin-requiring spreads and short selling. This is Webull policy, not a universal IRA strategy rule.

• Provider source — edition date not stated

Crypto in IRA

Not confirmed

IRA crypto eligibility not confirmed

The current crypto article describes a distinct crypto service/account. It does not establish native crypto or crypto-ETF access in a Roth IRA. Withdraw the prior universal crypto-ETF-only conclusion.

• Provider source — edition date not stated
• Provider source — edition date not stated

Custodial Roth for a minor

Not confirmed

Minor Roth opening not confirmed

The account list separates UTMA/UGMA from IRAs, but that omission is not an explicit exclusion of custodial Roth IRAs. Confirm the actual minor-IRA product and opening route.

• Provider source — edition date not stated

Excess-contribution correction route

Limited or assisted

Corrective forms via help/email

The IRA distribution instructions publish a forms-based excess/recharacterization route with app help or email submission. Do not label assisted digital form submission as either an instant self-service correction or an unavailable service.

• Provider source — edition date not stated

Inherited IRA opening route

Not confirmed

Inherited opening route not confirmed

The old beneficiary FAQ is explicitly marked not for display. Its historical estate instructions cannot establish today's inherited-IRA online workflow or absence of an inherited product.

• Provider source — Marked OLD FAQs (DO NOT DISPLAY); not current workflow proof; current access or scope not confirmed
• Provider source — edition date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 IRA annual fee; $5 self-directed investing minimum

October 1 V38 fee schedule shows $0 opening/annual IRA fee and $5 self-directed investing minimum. Robo IRA minimum is $50 with 0.25% annual management. A $25 inactivity charge can apply each six months without logging in; it is not a trading-frequency test.

• Provider source — V38; last updated October 1, 2026

Transfer-out fee

Terms and pricing

$100 outgoing ACAT; conditional $100 IRA close

V38 lists $100 outgoing ACAT. The separate $100 IRA closing charge may apply when the balance is below $100. Do not assume every full outgoing transfer incurs an unconditional $200 bill.

• Provider source — V38; last updated October 1, 2026

Idle-cash treatment

Not confirmed

IRA-specific bank-sweep enrollment/default not confirmed

General brokerage help describes an enrolled Apex program-bank sweep. It does not affirmatively establish IRA eligibility or universal automatic enrollment at account opening. Actual Roth cash treatment/rate needs confirmation.

• Provider source — edition date not stated

IRA match or bonus

Limited or assisted

1% regular and eligible plan-rollover match

Current regular match covers eligible ACH/SoFi Bank funding to specified self-directed/Robo Traditional/Roth IRAs, not SEP or indirect rollover funding. Separate current plan-rollover terms use Capitalize and eligible plans. Both have five-year/equity retention conditions; an ACAT out can trigger full match recapture. A conflicting temporary ACAT campaign deadline is not presented as an active offer.

• Provider source — Current separate regular/rollover terms; rollover eligible on/after August 26, 2026

401(k) rollover help

Published IRA feature

Capitalize eligible plan rollover

Current rollover agreement describes eligible 401(k), 403(b) and governmental 457 check rollovers through Capitalize. An IRA ACAT transfer is a distinct route, not automatically the same promotional program.

• Provider source — Current separate regular/rollover terms; rollover eligible on/after August 26, 2026

Roth conversion route

Limited or assisted

Conversion through phone/chat support

Current IRA-specific conversion help directs customers to support by phone or chat. This establishes assistance, not an app-only self-service conversion and not categorical unavailability.

• Provider source — edition date not stated

Fractional shares

Not confirmed

Platform $5 fractions; IRA eligibility not confirmed

General SoFi investing help advertises fractional stocks/ETFs from $5. The checked body does not explicitly establish the IRA-specific fractional purchase scope; absence of a carve-out is not affirmative permission.

• Provider source — edition date not stated

Automatic investing

Limited or assisted

Recurring IRA cash funding; buys to confirm

IRA help explicitly describes automated funding and its provider-limit stop. That is not proof of automatic self-directed security purchases or a safeguard for MAGI, compensation or deposits at other providers.

• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

Active Traditional/Roth/SEP DRIP

The current help body expressly includes Active brokerage and Active retirement accounts, including Traditional, Roth and SEP; automated accounts are enrolled. No unread default-setting or three-day timing promise is carried forward.

• Provider source — edition date not stated

Options in IRA

Limited or assisted

IRA options with account-specific approval

Current help confirms IRA options and explains enabling the feature. The article does not establish every permitted strategy level or a current universal multi-leg exclusion, so those old claims are withdrawn.

• Provider source — edition date not stated

Crypto in IRA

Not confirmed

Separate SoFi Crypto is not IRA eligibility proof

Current crypto purchase help lists Checking, Savings and Crypto funding. It does not establish native-crypto or crypto-ETF eligibility in a SoFi Roth IRA; no categorical all-crypto exclusion is inferred.

• Provider source — edition date not stated

Custodial Roth for a minor

Explicitly not offered

Custodial Roth explicitly not offered

Current custodial Roth help expressly says this product is not offered. This narrow exclusion is not a claim about every imaginable minor or bank account.

• Provider source — edition date not stated

Excess-contribution correction route

Limited or assisted

Excess/recharacterization assistance by phone/chat

Current IRA help directs excess/recharacterization requests to an Investment Specialist or chat. It does not establish a particular currently required paper form or an instant app-only adjustment.

• Provider source — edition date not stated

Inherited IRA opening route

Explicitly not offered

Inherited IRAs explicitly not offered

Current inherited-IRA help expressly excludes this product. No personalized beneficiary-distribution or mandatory transfer instruction is inferred from the product exclusion.

• Provider source — edition date not stated

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$500 minimum; $3/mo fee (waivable)

IRA initial deposit $500; subsequent deposits $10. One $3 monthly platform or IRA fee, never both; without waiver, 12 months cost $36. May 2026 terms permit assets at least $10,000 on one billing-cycle day or an active personal loan; October 2026 IRA-fee footnote says more than $10,000. Exact-$10,000 assets-waiver eligibility is unresolved; do not promise it.

• Provider source — 2026-01-07 help article
• Provider source — Last Updated October 2026; exact day unstated
• Provider source — Updated May 2026

Transfer-out fee

Terms and pricing

$100 outgoing transfer + $100 IRA termination ($200 when both apply)

The current unversioned October 2026 schedule and July 2026 help article list $100 outgoing transfer plus $100 retirement account termination. Total is $200 when transfer and closure both apply, not an unconditional price for every partial IRA transfer. The retirement page's versioned January schedule still lists a $20 termination charge and is not the current controlling edition.

• Provider source — Last Updated October 2026; exact day unstated
• Provider source — 2026-07-10 help article
• Provider source — Last Updated January 2026; stale version linked from retirement page; current access or scope not confirmed

Idle-cash treatment

Terms and pricing

Uninvested IRA cash earns no interest; separate HYCA sweep is not available for IRA dividends

The HYCA FAQ explicitly states that uninvested IRA cash earns no interest; the dividend help page excludes retirement dividends from transfer to a separate HYCA. This does not establish the universal absence of any custody sweep mechanism.

• Provider source — Publisher relative label: Updated over 2 weeks ago; exact publication/update date unstated
• Provider source — 2026-08-11 help article

IRA match or bonus

Not confirmed

Unknown

The current promotions FAQ explicitly marks brokerage-transfer promotions inactive and lists separate cash/loan/referral promotions. No ongoing IRA contribution match is published in the checked sources, but that is not exhaustive proof that no offer exists.

• Provider source — Publisher relative label: Updated this week; exact publication/update date unstated

401(k) rollover help

Limited or assisted

Yes — in-app initiation via Capitalize, or check-based manual

The April 2026 help instructions publish app/web Capitalize initiation for former workplace-plan rollovers and a manual direct-rollover check alternative. Published approximate processing times are not guarantees.

• Provider source — 2026-04-20 help article

Roth conversion route

Limited or assisted

Yes — in-app/web self-service (cash only)

Cash in a Traditional IRA can be converted through app/web, typically 1-2 business days. In-kind conversion uses a support request and can take up to 14 business days; new deposits have a six-business-day hold. No internal M1-to-M1 conversion fee is stated.

• Provider source — 2025-09-24 help article

Fractional shares

Not confirmed

Unknown

The fractional-share help page documents 1/100,000-share precision for the platform. The retrieved IRA/Pie materials do not explicitly establish that trading precision inside a Roth IRA, so that account-specific scope remains unconfirmed.

• Provider source — 2025-11-05 help article
• Provider source — Undated current HTML; publisher publication/update date not stated

Automatic investing

Published IRA feature

Yes — Auto-Invest on by default

The provider expressly says Auto-Invest defaults on for all accounts, and the retirement page describes automated IRA deposit investment. Cash of at least $25 above the selected minimum is deployed to underweight Pie slices.

• Provider source — 2025-11-05 help article
• Provider source — Undated current HTML; publisher publication/update date not stated

Dividend reinvestment

Published IRA feature

Yes — per-security DRIP available

Optional per-security DRIP reinvests qualifying cash dividends of at least $1 into the paying security; smaller amounts stay cash. The default is cash available for Pie Auto-Invest. Retirement accounts are expressly excluded from HYCA dividend sweep, not from DRIP.

• Provider source — 2026-08-11 help article

Options in IRA

Explicitly not offered

No — options not offered platform-wide

The current supported-securities help explicitly states that options are not supported on the platform. This is a documented platform-wide restriction, not an inference from a product list.

• Provider source — 2026-01-28 help article

Crypto in IRA

Limited or assisted

No spot crypto in IRA; crypto-related ETFs allowed

Direct crypto is expressly excluded from IRAs, while supported-securities help expressly allows crypto-related securities such as the listed funds in Brokerage Accounts or IRAs. Examples do not guarantee continuing symbol eligibility.

• Provider source — Undated current HTML; publisher publication/update date not stated
• Provider source — 2026-01-28 help article

Custodial Roth for a minor

Not confirmed

Unknown

Published custodial UTMA/UGMA accounts are taxable, not IRAs. The available product list does not prove a universal current minor-Roth prohibition; new custodial Roth availability remains unconfirmed.

• Provider source — 2026-09-01 help article
• Provider source — Undated current HTML; publisher publication/update date not stated

Excess-contribution correction route

Limited or assisted

Yes - online excess removal and cash recharacterization; user supplies NIA

Online excess-removal and cash-recharacterization paths are separately documented. The customer supplies contribution amount, tax year and NIA; this is not a promise that M1 calculates the correction. Both IRA accounts and settled cash are required for the internal recharacterization route.

• Provider source — 2026-03-16 help article
• Provider source — 2025-09-24 help article

Inherited IRA opening route

Limited or assisted

Online document upload (form-based, not instant)

An active M1 account is required before completing the appropriate Beneficiary Traditional/Roth form. The completed form, death certificate and ID are submitted through secure upload, with email follow-up typically within 2-3 business days. This is form-based processing, not instant or paperwork-free account opening.

• Provider source — 2025-11-05 help article

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 maintenance; small dormant-account exception

September 23 schedule lists $0 maintenance but $3.99 monthly inactivity for accounts below $70 with no activity for six months. Opening minimum was not established. Optional subscriptions, investment-plan charges and the separate Crypto IRA differ; $0 maintenance is not all services free.

• Provider source — Updated September 23, 2026

Transfer-out fee

Terms and pricing

$100 outgoing ACAT

Current fee schedule lists $100 outgoing ACAT. Separate closure/waiver pricing was not established here; promotional installments are not a fee reimbursement guarantee.

• Provider source — Updated September 23, 2026

Idle-cash treatment

Not confirmed

Roth cash treatment not confirmed; high-yield account separate

Current help says primary brokerage cash earns no interest and the high-yield cash account is separate. That general statement does not affirmatively establish every IRA cash default, enrollment or rate.

• Provider source — April 1, 2025

IRA match or bonus

Limited or assisted

1% regular / eligible transfer, paid in installments

Current legal terms restart the transfer offer September 14. For deposits settling September 22 onward, potential regular match is paid over 12 monthly installments, and transfer match over 60, beginning the month after settlement. Withdrawals/net-flow rules can reduce future payments. The marketing page's older five-year lump-sum clawback wording is not applied to new deposits.

• Provider source — New transfer offer starts September 14; September 22-and-later deposits use installment schedule
• Provider source — edition date not stated

401(k) rollover help

Limited or assisted

Plan rollover route advertised; confirm completion steps

Current IRA product material advertises bringing employer-plan money in; current match agreement treats eligible rollover deposits separately. Exact concierge/check completion details are not re-certified from older help.

• Provider source — edition date not stated
• Provider source — New transfer offer starts September 14; September 22-and-later deposits use installment schedule

Roth conversion route

Limited or assisted

Support-assisted conversion with signed form

Current help expressly says in-app self-service conversion is unavailable and support processes a signed form. Website self-service is not established by that statement. Conversion assistance exists; do not code the entire capability as No.

• Provider source — October 21, 2025

Fractional shares

Limited or assisted

Dollar-based IRA plans; stock fraction scope to confirm

The IRA page advertises recurring plans with eligible assets; general stock-fraction help has a $5 minimum. That general stock statement does not prove all ETF/IRA fractional order types are eligible.

• Provider source — edition date not stated
• Provider source — June 5, 2025

Automatic investing

Published IRA feature

Recurring IRA Investment Plans

The IRA page explicitly supports recurring plans up to 20 assets and a provider contribution-limit stop. Actual plan fees follow the current fee schedule. The stop is not an income/compensation test or a view of contributions at other providers.

• Provider source — edition date not stated
• Provider source — Updated September 23, 2026

Dividend reinvestment

Not confirmed

IRA-specific DRIP eligibility not confirmed

The general dividend-reinvestment toggle is published, but the checked article does not affirmatively identify its IRA account scope. Do not promote silence into a fully verified IRA feature.

• Provider source — August 5, 2025

Options in IRA

Limited or assisted

Traditional/Roth options through approved Level 2

The current help expressly supports IRA options up to Level 2. Levels/permissions are provider-specific; no generic all-broker strategy equivalence is implied.

• Provider source — July 29, 2025

Crypto in IRA

Limited or assisted

Separate Alto-custodied Crypto IRA

The current fee schedule identifies a distinct Crypto IRA custodied by Alto Trust, not native coins within the standard Apex-custodied stock/ETF IRA. It lists a 0.05% monthly custodial charge reduced by transaction fees, with a stated Reserve waiver; product fees and custody differ.

• Provider source — Updated September 23, 2026

Custodial Roth for a minor

Explicitly not offered

Custodial accounts explicitly not offered

Current custodial help expressly excludes custodial accounts. No inferred inherited-IRA exclusion is taken from the ordinary Roth/Traditional lineup.

• Provider source — July 3, 2025

Excess-contribution correction route

Limited or assisted

Support prepares excess form; customer supplies NIA

Current help requires contacting support with amount, year, NIA and withholding details; the customer supplies NIA. Do not promise automatic provider calculation or app-only completion. A designated corrective transaction is different from an ordinary withdrawal.

• Provider source — October 21, 2025

Inherited IRA opening route

Not confirmed

Inherited Roth online opening not confirmed

The death-claim page publishes support/document requests but does not affirmatively establish the current inherited-Roth opening route or prove an inherited product does not exist.

• Provider source — July 31, 2024

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$12/month or advertised $108 annual plan

Current retirement page shows $12/month or $108 annually. Managed retirement portfolios add a published 0.25% annual management fee; self-directed and managed services differ. Match eligibility for the discounted annual plan was not established, so match examples use twelve $12 monthly payments, not $108.

• Provider source — edition date not stated
• Provider source — Published December 15, 2025; displayed update July 6, 2026
• Provider source — Effective April 28, 2025

Transfer-out fee

Terms and pricing

$100 per outgoing account transfer

Current ACAT help identifies $100 per account for full or partial outgoing transfers. This replaces the old $75 claim. Separate closure pricing was not established; fractions may need liquidation.

• Provider source — Displayed update June 25, 2026; body additionally says June 10, 2026

Idle-cash treatment

Not confirmed

Actual Roth cash default/rate not confirmed

General investing material describes Apex-related cash treatment but does not establish the current retirement account's actual cash default, yield or enrollment. Do not substitute a taxable cash/bank feature.

• Provider source — edition date not stated

IRA match or bonus

Limited or assisted

3% regular match on eligible $12 monthly plan

Effective terms require elected eligible Stash+ membership and identify the $12 monthly subscription. Match is a percentage of eligible contributions, capped by the individual's annual IRA limit, not universally $225. Four-year retention and subscription/net-flow conditions apply. The current FAQ's 'up to $225' headline conflicts with broader individual-limit terms; confirm age-50 treatment before expecting more than $225.

• Provider source — Effective April 28, 2025
• Provider source — Published December 15, 2025; displayed update July 6, 2026
• Provider source — edition date not stated

401(k) rollover help

Published IRA feature

401(k) rollover with Capitalize

The current retirement FAQ and product page affirmatively support eligible former-employer-plan rollovers with Capitalize. Replace the old No 401(k) assistance claim; an advertised concierge is not a guarantee of every plan's eligibility.

• Provider source — Published December 15, 2025; displayed update July 6, 2026
• Provider source — edition date not stated

Roth conversion route

Not confirmed

Traditional-to-Roth flow not confirmed

The FAQ's Self-Directed-to-Managed transfer preserves IRA type. It is not a Traditional-to-Roth conversion. The checked sources do not establish the actual conversion route.

• Provider source — Published December 15, 2025; displayed update July 6, 2026

Fractional shares

Limited or assisted

Platform fractions; specific IRA security eligibility to confirm

Stash advertises fractional investing and self-directed retirement stock/ETF investing. The checked material does not affirmatively establish every IRA-specific fractional order or minimum; no unqualified account-specific guarantee.

• Provider source — edition date not stated
• Provider source — Published December 15, 2025; displayed update July 6, 2026

Automatic investing

Published IRA feature

Auto-Stash retirement deposits and investments

Current Auto-Stash article explicitly includes Retirement accounts for recurring cash and investment instructions. The contributions and purchase settings are separate; eligible-security/account restrictions apply.

• Provider source — Displayed update January 30, 2026

Dividend reinvestment

Published IRA feature

Retirement dividends automatically reinvested

Current dividend FAQ expressly identifies automatic reinvestment for retirement accounts. Ineligible equity/operational exceptions remain; no universal timing promise is copied.

• Provider source — Published January 5, 2026; displayed update January 30, 2026

Options in IRA

Not confirmed

IRA options availability not confirmed

The reviewed retirement material does not establish approved IRA option strategies or explicitly exclude them. No is not inferred from an omitted feature.

• Provider source — Published December 15, 2025; displayed update July 6, 2026
• Provider source — edition date not stated

Crypto in IRA

Not confirmed

IRA crypto/crypto-ETF availability not confirmed

Generic investing and a separate ETF listing are not affirmative retirement trading eligibility evidence. No native-crypto or ETF-only promise is made.

• Provider source — edition date not stated
• Provider source — Published December 15, 2025; displayed update July 6, 2026

Custodial Roth for a minor

Not confirmed

Custodial Roth opening not confirmed

Taxable investing-for-kids accounts are separate from a custodial Roth. A general age requirement or kids product is not a verified Roth exclusion.

• Provider source — edition date not stated
• Provider source — Published December 15, 2025; displayed update July 6, 2026

Excess-contribution correction route

Not confirmed

Specific excess/NIA workflow not confirmed

Ordinary retirement withdrawals in the current FAQ are not a verified adjusted return-of-excess process. Confirm the designated corrective procedure with support; do not tell readers an ordinary withdrawal completes a tax correction.

• Provider source — Published December 15, 2025; displayed update July 6, 2026
• Provider source — edition date not stated

Inherited IRA opening route

Not confirmed

Inherited account opening route not confirmed

The FAQ discusses assistance for inherited/other distribution circumstances, but that is not proof of an online inherited-Roth opening workflow or of no inherited product.

• Provider source — Published December 15, 2025; displayed update July 6, 2026

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$5 to invest; current plans $4/$8/$12 monthly

Current pricing lists Bronze $4, Silver $8 and Gold $12 per month. The Later page advertises a $5 investing minimum. The older match terms still describe Silver as $6, which is not substituted for current pricing. Subscription fees are not an investment-return guarantee.

• Provider source — Current undated pricing: Bronze $4, Silver $8, Gold $12 monthly
• Provider source — edition date not stated
• Provider source — Effective March 26, 2025; old Silver $6 wording conflicts with current $8 pricing

Transfer-out fee

Not confirmed

Later is cash-only for transfers; exit amount to confirm

Schedule 1's $35 per ETF/stock in-kind outgoing fee applies to Invest, not Later. Later transfers are cash-only. Case-specific wire/manual charges exist, but a universal Later exit component was not established. Do not graph unknown as $0 or $35 per ETF.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished

Idle-cash treatment

Terms and pricing

Variable custodial-cash rate; not the app's bank APY

The Roth custodial agreement describes a variable cash rate set by the custodian and monthly interest for cash assets under its conditions. It can differ from direct bank deposits. No universal FDIC protection, bank advertised APY or absence of all interest is inferred.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished

IRA match or bonus

Limited or assisted

Gold 3% / Silver 1% under first-year eligibility

Effective terms condition the match on the first eligible subscription year for new Silver/Gold users, with legacy exceptions. Regular contributions, not rollovers, qualify. Four-year retention and downgrade/withdrawal conditions apply. Gold's $12 price agrees across sources; confirm Silver eligibility/price conflict before estimating its match economics.

• Provider source — Effective March 26, 2025; old Silver $6 wording conflicts with current $8 pricing
• Provider source — Current undated pricing: Bronze $4, Silver $8, Gold $12 monthly
• Provider source — edition date not stated

401(k) rollover help

Limited or assisted

401(k)/outside IRA rollover with support

The Later product page supports rolling eligible old plans and outside IRAs in with assistance. This does not establish an immediate self-service transaction or every plan's tax eligibility.

• Provider source — edition date not stated

Roth conversion route

Not confirmed

Current Roth-conversion route not confirmed

A general custodial agreement does not establish an actual Acorns Traditional-to-Roth conversion workflow. The previously cited help route could not be verified and is not republished as a functional link.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished
• Provider source — edition date not stated

Fractional shares

Limited or assisted

Managed ETF portfolio fractions

The program is discretionary portfolio investing, not a promise that users can select arbitrary fractional stocks in Later. Managed portfolio fractional holdings should not be presented as a self-directed stock-picking feature.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished
• Provider source — edition date not stated

Automatic investing

Published IRA feature

Recurring deposits into a managed Later portfolio

The Later product publishes recurring investing/funding. The service invests under the selected managed portfolio mandate; distinguish this from choosing recurring purchases of any stock.

• Provider source — edition date not stated
• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished

Dividend reinvestment

Limited or assisted

Portfolio-level dividend reinvestment

The managed program reinvests cash under its portfolio mandate. This is not a user-selectable per-security DRIP that necessarily buys the same security paying the dividend.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished

Options in IRA

Not confirmed

Self-directed IRA options not confirmed

The actual Later managed-portfolio material does not affirmatively establish self-directed option orders or their approval. Broad custodian powers are not product permissions; do not infer a categorical options exclusion solely from silence.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished
• Provider source — edition date not stated

Crypto in IRA

Not confirmed

Later crypto exposure eligibility not confirmed

A separate app feature or a custodial agreement's generic powers does not establish current Later native-crypto or crypto-ETF availability.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished
• Provider source — edition date not stated

Custodial Roth for a minor

Not confirmed

Custodial Roth opening not confirmed

The Early taxable kids account and general adult-registration provisions do not affirmatively establish a custodial Roth offering or universal exclusion.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished
• Provider source — edition date not stated

Excess-contribution correction route

Not confirmed

Actual excess/NIA procedure not confirmed

The Roth agreement has distribution provisions, but the actual adjusted corrective workflow and self-service initiation were not established. An ordinary withdrawal must not be advertised as a completed tax correction.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished

Inherited IRA opening route

Not confirmed

Online inherited Roth opening not confirmed

Beneficiary provisions in a general custodial agreement are not an online inherited-account product/workflow guarantee.

• Provider source — Currently served program/Roth custodial agreement; exact issuance date unestablished

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Terms and pricing

$0 minimum/routine maintenance/inactivity; $60 full IRA closeout

Opening/account fee statements and separate IRA closeout supported. Trading/clearing charges are separate; do not truncate away the closeout component.

• Provider source — edition date not stated
• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$75 outgoing ACAT; $60 additional full IRA closeout

Full IRA ACAT closes the account: these components total $135 for that route. Partial ACAT itself does not trigger the closeout. Correct $75-only projection; distinguish excluded ACAT assets.

• Provider source — edition date not stated
• Provider source — edition date not stated

Idle-cash treatment

Terms and pricing

Published IRA idle cash earns no interest

Explicit IRA policy supports no idle-cash interest. Remove universal no-sweep-program claim; no default bank/MMF sweep was established. Sub-account sweeps are different.

• Provider source — edition date not stated

IRA match or bonus

Not confirmed

Unknown — public IRA match; current referral excludes IRAs

Only current referral-program IRA exclusion is established, not all promotions. August 14 terms/program dates differ from check date; referral reward is not an IRA match.

• Provider source — Referral Program terms last revised August 14, 2026

401(k) rollover help

Limited or assisted

Published check-by-mail rollover route

Plan check payable Apex Clearing FBO customer, mailed with deposit slip. No online/concierge route established by checked instructions; not proof that every alternative is unavailable.

• Provider source — edition date not stated

Roth conversion route

Limited or assisted

Cash conversion online; positions by form/email

Approved IRA pair and settlement/ACH conditions apply. Do not label all assets fully self-service or transaction-tested.

• Provider source — edition date not stated

Fractional shares

Limited or assisted

Eligible IRA fractional orders with product/order limits

IRA recurring/permission sources provide account context. Fraction article: $5 minimum, market day orders, .99 fractional-order cap; $0.10 fractional clearing fee on opening/closing. Whole and fractional parts may need separate orders.

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated

Automatic investing

Published IRA feature

Recurring IRA stock/ETF buys from buying power only

Traditional/Roth/SEP/Beneficiary IRAs supported, $10–$100,000, weekly/biweekly/monthly on web. Direct bank funding is not available for IRA recurring orders. Standard charges reduce invested amount.

• Provider source — edition date not stated

Dividend reinvestment

Not confirmed

Unknown — IRA-specific DRIP eligibility/execution fees

General program supports fractional reinvestment and free enable/disable. Individual-security elections require support. No affirmative IRA clause or universal free-execution guarantee established.

• Provider source — edition date not stated

Options in IRA

Limited or assisted

Tier-approved IRA options; higher tier permits naked calls/qualified futures

IRA The Works naked calls have published $25,000 start-of-day condition; futures have further qualification/margin requirements. Remove unsupported industry superlative and universal defined-risk-only assertion.

• Provider source — edition date not stated
• Provider source — edition date not stated

Crypto in IRA

Not confirmed

Unknown — crypto-ETP IRA access; direct crypto explicitly excluded

IRA permissions expressly bar cryptocurrency trading (and event contracts). General ETF permission does not establish specific crypto-ETP access.

• Provider source — edition date not stated

Custodial Roth for a minor

Not confirmed

Unknown — custodial Roth not established in checked sources

Account-lineup omission is not a complete-product exclusion. Do not publish Not offered from absence.

• Provider source — edition date not stated
• Provider source — Published November 13, 2023; updated June 2, 2026

Excess-contribution correction route

Limited or assisted

Cash excess/recharacterization online; positions require forms

Published cash/position split and customer earnings-calculation responsibility. Remove unverified IRS worksheet-number detail; annual-contribution recharacterization is not conversion reversal.

• Provider source — edition date not stated
• Provider source — edition date not stated

Inherited IRA opening route

Not confirmed

Unknown — full beneficiary-IRA claim/opening workflow

Beneficiary Traditional/Roth products listed. General account lineup/opening is not complete beneficiary claim evidence.

• Provider source — edition date not stated
• Provider source — Published November 13, 2023; updated June 2, 2026

Public sources checked October 4, 2026. Source editions below keep their own dates. Account-specific unknowns remain unconfirmed.

Minimum and account fees

Not confirmed

Unknown

Current retirement/service-fee origin content could not be retrieved. The served distribution form code 0825 lists a $35 annual equities IRA fee if not already assessed and a $50 termination fee, but current minimum, inactivity/waiver and complete futures fee terms remain unconfirmed.

• Provider source — Currently served form code 0825; complete current fee-schedule status unconfirmed
• Provider source — Unknown: origin HTTP 403; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

Transfer-out fee

Not confirmed

Unknown

The current ACAT service-fee schedule could not be retrieved, so the historical $125 input is not refreshed. The served equities distribution form documents $50 termination plus $35 annual if unpaid in that full-distribution scenario; it does not verify an all-in current ACAT bill.

• Provider source — Currently served form code 0825; complete current fee-schedule status unconfirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

Idle-cash treatment

Not confirmed

Unknown

Current credit-interest/retirement origin content could not be retrieved. Current Roth free-credit-balance custody, sweep availability and interest exclusion remain unconfirmed.

• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed
• Provider source — Unknown: origin HTTP 403; current access or scope not confirmed

IRA match or bonus

Not confirmed

Unknown

The original cited reward expired July 31, 2026. The current promotions page could not be retrieved, so current IRA eligibility or the absence of a match is unknown.

• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

401(k) rollover help

Not confirmed

Unknown

Current rollover/retirement origin content could not be retrieved. The primary announcement was prospective and a cached search snippet does not verify live Capitalize activation, workflow or fees.

• Provider source — Unknown: origin HTTP 403; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed
• Provider source — Prospective 2026-02-24 announcement discovered in primary search; origin 403, not activation proof; current access or scope not confirmed

Roth conversion route

Limited or assisted

Paper form (mail/fax/email)

The currently served IRA distribution form code 0825 expressly includes a Roth conversion selection and mail/fax/email submission instructions. It establishes that form channel, not the absence of every alternative workflow.

• Provider source — Currently served form code 0825; complete current fee-schedule status unconfirmed

Fractional shares

Not confirmed

Unknown

Current stocks/FAQ origin content could not be retrieved. Roth trade-ticket fractional-share capability is unconfirmed; historical site searches and third-party reviews are not current proof.

• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

Automatic investing

Not confirmed

Unknown

Current retirement/FAQ origin content could not be retrieved. Recurring Roth security purchases are unconfirmed; active-trader positioning is not evidence of unavailability.

• Provider source — Unknown: origin HTTP 403; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

Dividend reinvestment

Not confirmed

Unknown

Current retirement/FAQ origin content could not be retrieved. Roth IRA dividend-reinvestment availability remains unconfirmed; no historical third-party negative is carried forward.

• Provider source — Unknown: origin HTTP 403; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

Options in IRA

Not confirmed

Unknown

The accessible taxable UGMA/UTMA package lists cash-account option strategies, but it is not an IRA approval-level document. Current IRA product/FAQ origin access failed, so IRA eligibility and permitted strategies remain unconfirmed.

• Provider source — Rev 05-2026 taxable custodial package / May 2026 CRS
• Provider source — Unknown: origin HTTP 403; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

Crypto in IRA

Not confirmed

Unknown

The SEC's February 2024 announcement records intent to terminate US crypto trading, not proof of current closure or no relaunch. Current Roth crypto-linked ETF/futures eligibility and direct-crypto offering status were not verified from accessible product sources.

• Provider source — SEC announcement 2024-02-07; historical intent, not current product-status proof; current access or scope not confirmed
• Provider source — Unknown: origin HTTP 403; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

Custodial Roth for a minor

Not confirmed

Unknown

The accessible Rev May 2026 package is a taxable UGMA/UTMA account, not a Roth IRA. It does not prove that no minor Roth can be opened; current Roth opening availability remains unconfirmed.

• Provider source — Rev 05-2026 taxable custodial package / May 2026 CRS
• Provider source — Unknown: origin HTTP 403; current access or scope not confirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed

Excess-contribution correction route

Limited or assisted

Signed distribution form published for excess removal/recharacterization; mail/fax/email; other channels not verified

The currently served distribution form expressly documents excess-removal section 6 and contribution recharacterization, with mail/fax/email submission. The customer supplies NIA. Exclusive paper-only/no-online channels have not been established.

• Provider source — Currently served form code 0825; complete current fee-schedule status unconfirmed

Inherited IRA opening route

Not confirmed

Unknown

The served form documents death distributions and supporting evidence, not a current inherited-account opening workflow. The application/death-certificate/latest-statement opening claim depends on an inaccessible FAQ and remains unconfirmed.

• Provider source — Currently served form code 0825; complete current fee-schedule status unconfirmed
• Provider source — Unknown: origin body retrieval failed; current access or scope not confirmed