We’ve curated 4 standout platforms to help you find the best IRA accounts for an IRA rollover.
8.8 Great
Robinhood offers commission-free trades and zero management fees for its Roth IRA product.
And not only does Robinhood not charge fees, but it actually gives you money when you invest in your Roth IRA on the platform. If you max out your IRA contributions for 2024 and stack on your max contributions for 2025 by April 15, Robinhood matches 3% for Gold subscribers and 1% without, for a bonus of up to $420.
It's worth noting, though, that you can only invest in stocks and ETFs via Robinhood's Roth IRA. Your investments on the platform are protected up to $500k, as Robinhood is a member of SIPC (Securities Investor Protection Corporation).
Also, keep in mind that the platform's customer support is lacking as compared to bigger platforms like Fidelity or Charles Schwab. So, if you're looking for some one-to-one help as you build your nest egg, Robinhood might not be the best choice for you.
| Stock trade fee | $0 |
|---|---|
| Minimum deposit | $0 |
| Signup bonus | Earn up to a 3% match with Robinhood Gold or 1% without |
| Stock trade fee | $0 |
|---|---|
| Minimum deposit | $0 |
| Signup bonus | Earn up to a 3% match with Robinhood Gold or 1% without |
8.2 Great
SoFi offers some of the most competitive pricing on our list. In addition to no-fee commission stocks and exchange-traded funds (ETFs), it offers no-fee account transfers and its robo-advisor charges a small 0.25% annual fee. For those who want access to a human advisor, SoFi's licensed investment specialists are standing by. This feature makes SoFi a practical fit for both hands-on and hands-off retirement-focused investors. Whether you're keen to buy and sell your own securities or let an algorithm do it for you, SoFi's active and automated Roth IRAs may fit the bill.
This brokerage is a practical fit for new traders seeking access to stocks and ETFs. Mobile app reviews suggest that the platform is intuitive and receives high praise from both Apple and Android users.
SoFi's major drawback is its limited asset offerings. While you can invest in stocks and ETFs in your Roth IRA via SoFi, you cannot invest in cryptocurrencies in it.
| Stock trade fee | $0 |
|---|---|
| Minimum deposit | $0 |
| Stock trade fee | $0 |
|---|---|
| Minimum deposit | $0 |
8.4 Great
Acorns Later is the name of the division of Acorns that allows you to invest for your retirement. One of the products that Acorns Later offers is a Roth IRA, which allows you to save for your retirement with automatic round-ups on purchases.
Through Acorns Later, you can get exposure to stocks, ETFs, bonds, REITs and even a Bitcoin-linked ETF.
Keep in mind, though, that the platform charges a $6 monthly maintenance fee for this account, while a number of other platforms that offer Roth IRAs don’t charge such a fee. With that said, Acorns doesn’t charge any fees for trades.
And you might find the $5 fee worth it, as Acorns Later will automatically adjust your Roth IRA portfolio weighting depending on your age, investment goals and risk tolerance.
| Stock trade fee | $0 |
|---|---|
| Minimum deposit | $0 |
| Signup bonus | N/A |
| Stock trade fee | $0 |
|---|---|
| Minimum deposit | $0 |
| Signup bonus | N/A |
M1 Finance is one of the more unique robo-advisors on the market. It offers automated portfolio rebalancing, yes — but it also allows investors to select their own portfolio holdings.
When you sign up for an M1 Finance Roth IRA, it prompts you to pick at least three investment slices to begin building your portfolio – or your “pie” as M1 likes to call it. It also asks to give each allocation an assigned weight, so M1 Finance knows how to prioritize your selections.
After that, M1 Finance is responsible for automatically rebalancing your portfolio and runs much like a traditional robo-advisor. M1 will only rebalance your portfolio using trades with new cash. It won’t sell an existing position or initiate a rebalance of your portfolio without your instruction.
You need at least $500 to get started, and there's no annual management fee. But M1 Finance doesn't offer true self-directed trading accounts, so active traders will need to look elsewhere.
| Stock trade fee | $0 |
|---|---|
| Minimum deposit | $500 |
| Signup bonus | N/A |
| Stock trade fee | $0 |
|---|---|
| Minimum deposit | $500 |
| Signup bonus | N/A |
We took a close look at platform features, fees, account minimums, customer support, research tools and mobile apps to curate this list of best Roth IRA accounts. Our honorable mentions went to platforms with less competitive fees but that had a niche feature or perk not typically found across traditional brokerages.
If you’re leaving your current job, you might want to roll over your 401(k) to your new employer’s retirement plan or an individual retirement account (IRA). You may also consider opting for a Roth option if you expect to be in a higher income bracket during retirement.
Here’s how to roll over a 401(k).
You have several 401(k) rollover options when it comes to transferring your 401(k) from an old job. The process may vary depending on what type of retirement account you choose.
If you currently have a Roth 401(k), you must transfer the funds to another Roth account.
Rolling over your 401(k) has distinct benefits, including consolidating your retirement accounts and potentially avoiding fees your previous plan may charge former employees.
Transferring your 401(k) to your new employer’s 401(k) plan lets you continue to fund your plan while deferring taxes until you withdraw from the account. And if you continue working at the same company, you may delay the required minimum distributions (RMD) when you turn 73.
Since individual retirement accounts (IRA) are individually owned, rolling over your 401(k) to an IRA means you don’t have to worry about rolling your account over again if you change jobs. And IRAs generally have more investment choices than employer-sponsored 401(k) plans.
Employers generally allow you to keep your 401(k) where it is if your account balance is over $5,000. If you’re happy with your current investment options and management fees, you may consider leaving your money where it is.
But if you change jobs often, you could end up leaving behind a series of 401(k) plans that could prove challenging to manage. And if you’re no longer working for the company that sponsors the account, you may need to withdraw the required minimum distribution (RMD) from each account every year when you turn 73.
There are several ways to avoid incurring taxes and penalties when rolling over a 401(k). When initiating a transfer request, it’s best to request a direct rollover so your old plan administrator can make the payment directly to your new retirement plan or IRA.
If your distribution is paid directly to you instead of directly to your new retirement plan or IRA, your employer will withhold 20% of the amount. And you’ll have 60 days to roll it over to another plan and make up the funds for the taxes withheld, or the IRS will treat it as a taxable withdrawal, which may be subject to income tax and early withdrawal penalty if you’re under 59 and a half years old.
The Finder Score crunches 147 key metrics we collected directly from 18+ brokers and assessed each provider’s performance based on nine different categories, weighing each metric based on the expertise and insights of Finder’s investment experts. We then scored and ranked each provider to determine the best brokerage accounts.
We update our best picks as products change, disappear or emerge in the market. We also regularly review and revise our selections to ensure our best provider lists reflect the most competitive available.
Read the full Finder Score breakdown
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Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.
Be sure to weigh all your options when considering rolling over a 401(k), including tax implications and potential penalties. If your new employer’s 401(k) isn’t a good fit, compare brokerages to find the right IRA for your retirement goals.
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