Roth IRA Custodians: Who Actually Does What

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

Minimum and account fees

Terms and pricing

$0 minimum; $0 opening/maintenance fees

The published IRA table lists $0 opening and maintenance fees and no account minimum. Transaction and investment-product fees are separate; no guaranteed opening time is established.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — April 2026 pricing guide; 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

Roth conversion route

Published IRA feature

Online IRA conversion; additional jurisdiction-specific steps may apply

Current instructions use Transfer & Pay > Transfer Funds for cash or positions and withholding review. Published instructions do not guarantee that every transaction can be completed without assistance.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

Fractional shares

Limited or assisted

Eligible IRA stock/ETF fractional purchases from $1

The IRA & ESA agreement expressly covers fractional-share trading. Read with the current product page, eligible U.S.-listed stocks/ETFs can be bought from $1; security, order and account restrictions apply.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Schwab IRA and ESA Account Agreement — October 2026; exact issue day unknown

Automatic investing

Limited or assisted

Recurring purchases of eligible mutual funds already held

Published instructions limit automatic investing to eligible mutual-fund positions already held in the account. Some account types are excluded. The document’s 0423 content code does not establish an exact publication date.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Schwab IRA and ESA Account Agreement — October 2026; exact issue day unknown

Dividend reinvestment

Published IRA feature

Eligible IRA dividend reinvestment through StockBuilder

The IRA & ESA agreement includes StockBuilder reinvestment for eligible securities. Elections and account/security restrictions apply; this is not a promise that every holding qualifies.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Schwab IRA and ESA Account Agreement — October 2026; exact issue day unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Article dated August 13, 2025

Crypto in IRA

Not confirmed

IRA crypto eligibility unconfirmed; separate Schwab Crypto service is live

Schwab Crypto is a separate bank service already live, not coming soon. Official August 27, 2026 news describes a May rollout. These sources do not establish direct-coin or crypto-ETP execution in a Schwab IRA.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Undated current HTML
• Provider source — Charles Schwab press release dated August 27, 2026

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read; retrieval failed

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition; current access or scope not confirmed

Inherited IRA opening route

Limited or assisted

Online inherited-IRA application advertised; older paper application remains hosted

The current forms index and dedicated entry advertise online individual/minor beneficiary applications. The generic index row has no PDF download; estate, organization and trust rows are separate. An individual-beneficiary PDF, APP13599-33 (11/24), remains publicly retrievable with sign-and-return instructions. Current acceptance of that older form and end-to-end online claim completion were not independently established.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — edition date not stated
• Provider source — APP13599-33 (11/24); 18-page served package, application pages 1–11

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — 459374.72.0 / FA-FEES-0926 / 1.828131.170; 7-page served PDF; issuance date not expressly 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — 459374.72.0 / FA-FEES-0926 / 1.828131.170; 7-page served PDF; issuance date not expressly stated

Idle-cash treatment

Terms and pricing

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

Retirement core choices include SPAXX and an eligible FDIC sweep; eligibility varies by registration. Limited margin has a separate FDIC-core restriction. Its agreement measures the $10,000 minimum excluding FDIC core balances. FZFXX is listed under non-retirement accounts, not the cited retirement list.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Current served retirement agreement; 21-page package; exact issuance date unknown
• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — 663000.5.0; copyright 2026; 3-page Limited Margin Agreement for Fidelity IRAs

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

Roth conversion route

Published IRA feature

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

An outside IRA first transfers to Fidelity; a workplace-plan conversion route requires assistance. Published year-end instructions include a last-business-day qualification. Account and asset requirements still apply.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Current served retirement agreement; 21-page package; exact issuance date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — 459374.72.0 / FA-FEES-0926 / 1.828131.170; 7-page served PDF; issuance date not expressly stated

Dividend reinvestment

Published IRA feature

Online dividend elections for eligible IRA positions

The retirement-account program supports reinvestment in eligible securities. Eligibility and default settings can vary; the checked terms do not establish universal no-cost treatment.

Source evidence checked: 2026-10-17. public content read

• Provider source — Current served retirement agreement; 21-page package; exact issuance date unknown

Options in IRA

Limited or assisted

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

The current article and served agreement 663000.5.0 both specify $10,000 for limited margin; the agreement excludes FDIC core balances. IRA spreads separately require approval/agreement, $10,000 equity and the applicable $2,000 cash reserve rules; limited margin alone is not spread approval.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — 663000.5.0; copyright 2026; 3-page Limited Margin Agreement for Fidelity IRAs

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — HTML content code 1265153.3.0; publication date unknown

Custodial Roth for a minor

Published IRA feature

Roth IRA for Kids; $0 opening minimum

Roth IRA for Kids is for a minor under 18 with eligible compensation. Transfer of control occurs at the applicable state age, generally 18–25. Contribution eligibility and limits still follow IRS rules.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

Minimum and account fees

Terms and pricing

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

The schedule effective July 10 lists electronic-document, qualifying-asset, advisory and wealth-management waivers. Individual investments have their own minimums; the account minimum is not every investment’s purchase minimum.

Source evidence checked: 2026-10-17. public content read

• Provider source — Vanguard Brokerage Services commission and fee schedules effective July 10, 2026
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Article dated September 16, 2025
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

Options in IRA

Limited or assisted

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

Options application Form OAAF, printed page 6 (PDF page 12), specifies IRA Levels 1–2 restrictions. The form is effective January 2025 / OAAF 012025; the mixed package also contains later-dated material. No Level 3 offering or Level 4 IRA permission is established.

Source evidence checked: 2026-10-17. public content read

• Provider source — Form OAAF effective January 2025 / OAAF 012025; package also contains VMCCRS 072026; 118 pages

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.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

Excess-contribution correction route

Limited or assisted

Published excess-removal form/login route; recharacterization form or specialist

Public instructions link an excess-removal form/login route; the linked process failed retrieval, so its exact UI and completion were not verified. Recharacterization instructions provide a form or specialist route. Do not promise a particular e-sign provider or universal self-service completion.

Source evidence checked: 2026-10-17. public content read; linked process fetch failed

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition; 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Bank Deposit Program Disclosure Statement, June 2025; 16 pages
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — RETIRE26 offer opening deadline October 31, 2026; publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — CRC 4756723 09/2025; exact publication date not re-established in this retrieval

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.

Source evidence checked: 2026-10-04. public content read; redirect to page not found html

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition; current access or scope not confirmed
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Client Agreement for Self-Directed Accounts effective May 20, 2026

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — IRA Distribution Request 3210 / 05/2026; 7 pages
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Undated current HTML
• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — MAP8318446 / SHEET-11-25-0005 / 00-66-0867NSB / 11/2025
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Sweep Program Guide, ADA 05/2026, SHEET-04-26-0395

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — edition 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — 0871CONV; exact revision date not freshly established in this pass

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Merrill Guided Investing brochure September 18, 2026 / MGI-2A092026

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.

Source evidence checked: 2026-10-04. public content read; retrieval failed

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition; 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Current served three-page election form; prior 02/2024 edition not independently re-established in this pass

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Undated current HTML
• Provider source — Unknown; undated public HTML or unspecified publisher edition

Custodial Roth for a minor

Not confirmed

Unknown

The forms library lists a generic Minor IRA entry, but the linked new-account PDF could not be retrieved in this pass. Current new minor Roth eligibility/channel remains unconfirmed; existing account provisions do not establish new opening availability.

Source evidence checked: 2026-10-04. public content read; retrieval failed

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition; 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Current 44-page Roth IRA agreement; exact edition not re-established in this pass
• Provider source — Unknown; undated public HTML or unspecified publisher edition

Inherited IRA opening route

Limited or assisted

Published inherited Traditional/Roth IRA application by mail or fax; online completion unconfirmed

The current linked application body identifies inherited Traditional/Roth IRAs, a death-certificate requirement, and mail/fax return. The application component is 423211PM-0426 within a mixed-edition booklet; exact issue date and fully online completion remain unconfirmed.

Source evidence checked: 2026-10-17. public content read

• Provider source — 423211PM-0426 application component; 81-page mixed-edition booklet; included components have other dates
• Provider source — Unknown; undated public HTML or unspecified publisher edition

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Current served 2-page SDI fee schedule; exact revision/publication date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Current served 2-page SDI fee schedule; exact revision/publication date unknown

Idle-cash treatment

Terms and pricing

JPMorgan Chase Deposit Account sweep; account-specific alternatives may apply

The August 2026 Self-Directed agreement defines retirement brokerage and makes a Deposit Account the settlement default, subject to account-specific alternatives. Its deposit disclosure identifies JPMorgan Chase Bank. Deposit insurance limits/aggregation apply; investments are not bank deposits.

Source evidence checked: 2026-10-17. public content read

• Provider source — 33000dbaa_CYI v13.1, Revised August 2026; 25 pages

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.

Source evidence checked: 2026-10-07. public content read

• Provider source — Offer opening deadline January 21, 2027; publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Current served seven-page Roth IRA Conversion Request; exact revision/publication date unknown

Fractional shares

Limited or assisted

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

The Roth IRA page expressly advertises eligible stock/ETF fractional purchases from $5; the FAQ describes market-order and fractional-quantity limits. Eligible securities can change. The prior exact index-based universe was not freshly established and is not repeated as current.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — 33000dbaa_CYI v13.1, Revised August 2026; 25 pages
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Current served 12-page SDI IRA Distribution Request; exact revision/publication date unknown
• Provider source — Current served 2-page contribution Recharacterization Request; exact revision/publication date unknown

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Undated fee HTML; any dated margin-rate subtable is not the service-fee schedule's issuance date
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Undated fee HTML; any dated margin-rate subtable is not the service-fee schedule's issuance date

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — 578326, Rev 52 - 09/25; 8-page PDF (cover plus 7 pages)
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Undated fee HTML; any dated margin-rate subtable is not the service-fee schedule's issuance date

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Commentary/table current as of April 1, 2026
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — 544260 Rev 27 - 05/26; 23 pages
• Provider source — Unknown; undated public HTML or unspecified publisher edition

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition
• Provider source — 544260 Rev 27 - 05/26; 23 pages

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Unknown; undated public HTML or unspecified publisher edition

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

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

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Offer terms effective May 14, 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

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

Fractional shares

Not confirmed

DRIP fractions published; IRA eligibility and new buys unconfirmed

The general dividend program reinvests into whole or fractional shares. Its public text does not explicitly establish Roth IRA eligibility or standalone dollar-based purchase orders. Roth availability remains unconfirmed, not excluded.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Dividend reinvestment

Not confirmed

General DRIP published; Roth IRA eligibility unconfirmed

Ally publishes free dividend reinvestment for eligible securities, with online account-wide enrollment and assisted individual-position elections. The cited general FAQ does not explicitly establish Roth eligibility. Withdraw the categorical IRA yes, without asserting that IRA DRIP is unavailable.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Crypto in IRA

Not confirmed

IRA crypto availability not confirmed

Self-Directed help explicitly excludes direct cryptocurrency trading and describes crypto-linked funds generally. Current Roth eligibility for specific crypto-linked funds was not established; do not turn the direct-coin exclusion into a universal crypto-ETP exclusion.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Inherited IRA opening route

Not confirmed

Inherited IRA online workflow not confirmed

The current estate page explicitly directs Ally Invest account representatives to call 855-880-2559. That investment-specific assistance does not establish a complete inherited-Roth opening or online claim route. Beneficiary IRAs listed under Personal Advice are a different product.

Source evidence checked: 2026-10-04. public content read

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

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

Minimum and account fees

Terms and pricing

$0 IRA deposit minimum; $0 published inactivity fee

The IRA minimum and Pro/Lite inactivity policies support the stated amounts. Other service and transaction fees can apply; these statements are not an exemption from all IRA charges.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

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

IRA match or bonus

Not confirmed

Unknown — no public IRA match established

The currently served Refer-a-Friend Agreement 4841, dated July 2, 2026, explicitly excludes tax-advantaged accounts. This specific referral program is not an eligible Roth match; no current IRA contribution match was established, and no universal absence claim is made.

Source evidence checked: 2026-10-04. public content read

• Provider source — Agreement 4841 | 2 July 2026
• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Roth conversion route

Published IRA feature

Published full/partial online IRA conversion

The current FAQ describes selecting the account, reviewing withholding and submitting the conversion. A universal 2% cash-buffer requirement or automatic account closure was not established. Provider tax summaries are not substituted for current IRS rules.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — Last updated February 2, 2026
• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

IRA explicitly eligible for commission-bearing DRIP

Eligible U.S. and Canadian securities, account permissions and security elections matter. Published commissions are the lesser of $0.35 or 0.1% for tiered pricing and the lesser of $1 or 0.1% for fixed pricing.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• 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 and age lists do not establish a custodial Roth opening route. A taxable UGMA/UTMA brokerage account is a different product. Custodial Roth availability remains unconfirmed, not categorically excluded.

Source evidence checked: 2026-10-04. public content read

• 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- and prior-year excess removals are published online distribution types. The recharacterization FAQ defines the term but does not establish its execution route, so the combined correction workflow is not fully confirmed.

Source evidence checked: 2026-10-04. public content read

• 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 IRA account types and a standard online opening route are published, with due-diligence and residency limits. A complete beneficiary-claim workflow was not established.

Source evidence checked: 2026-10-04. public content read

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

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

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

Source evidence checked: 2026-10-04. public content read

• Provider source — Help article dated 2026-06-08
• Provider source — edition 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Help article dated 2025-09-02
• Provider source — IRAOSASU_EN_1224

IRA match or bonus

Not confirmed

Unknown

The current retirement page advertises actual transfer-fee reimbursement, not an ongoing contribution match. Its rebate requires an eligible transfer of at least $2,500 and evidence of actual fees, capped at $250, with retention conditions. A separately found year-end IRA bonus ended January 31, 2026. No current IRA contribution match was established; this is not proof every promotion is absent.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated
• Provider source — Terms effective August 18, 2025
• Provider source — Post heading December 16 (year not stated); offer period December 15, 2025–January 31, 2026

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Help article dated 2025-11-13

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Help article dated 2024-08-05

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Help article dated 2025-07-16
• Provider source — 1105P-UPIP 05/04/2026

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Help article dated 2024-08-06

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Help article dated 2024-08-06

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Help article dated 2026-04-29

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — PF10074-UDST 06/17/2026
• Provider source — edition date not stated

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Help article dated 2025-09-09
• Provider source — PF10074-UDST 06/17/2026

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Dividend reinvestment

Published IRA feature

Dividend reinvestment is a free eligible brokerage feature

The brokerage materials support dividend reinvestment in an IRA. Security eligibility and default settings may vary; a universal automatic fund default was not established.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Operative application FBR1BOPT7/24_w; prefatory CRS October 2025

Crypto in IRA

Not confirmed

Unknown — IRA crypto/crypto-ETP access

The current issuer Digital Assets campaign presents TKNZ, corroborating ongoing fund marketing beyond the July 16 launch filing. Neither source establishes purchase eligibility in a T. Rowe Price brokerage Roth IRA, direct-coin access or crypto-futures permission. Keep the IRA capability unconfirmed.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated
• Provider source — TKNZ issuer filing dated July 16, 2026
• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Article dated August 2025

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.

Source evidence checked: 2026-10-17. public content read

• 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

The August 2026 beneficiary claim form covers Traditional and Roth IRA cases and provides an assistance contact. A complete online claim route was not established; that is not proof that every step requires paper.

Source evidence checked: 2026-10-17. public content read

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

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Fractional shares

Published IRA feature

IRA stock/ETF dollar-based orders

The current Roth IRA agreement explicitly provides for fractional-share execution. General fractional-share help describes eligible stocks/ETFs and nontransferability. The retirement-investing help body alone no longer supplies that explicit fractional-share statement.

Source evidence checked: 2026-10-17. public content read

• Provider source — 29 pages; footer identifier 20260529-5534765-17455803; not treated as an explicit effective date
• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Inherited IRA opening route

Limited or assisted

Inherited IRA supported through estates assistance; online opening unconfirmed

The beneficiary FAQ expressly says IRA beneficiaries open an inherited IRA with Robinhood. Claim initiation uses the estates team, a death certificate and potentially ID/other documents. An instant online opening or external inherited-IRA transfer-in route is not established.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

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

Transfer-out fee

Terms and pricing

$75 stock transfer; $25 outgoing rollover check/wire

Pricing lists $75 for outgoing stock transfers. IRA rollover help separately lists $25 for an outgoing rollover by check or wire. These are route-specific components, not an automatic $100 total. Separate closure pricing and a full/partial distinction remain unconfirmed.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• 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.

Source evidence checked: 2026-10-17. public content read

• 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

Premium help advertises 3.5% regular contributions, one year of Premium and five-year asset conditions for self-directed IRAs. Transfer/rollover terms offer 1%, capped at $2,500, September 1-December 31, 2026. The separate non-Premium 1% contribution offer ends December 31, 2026. Premium contribution-specific full legal terms were not located through the linked terms; do not transplant transfer-program definitions.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — 6 pages; offer September 1-December 31, 2026; issuance date unstated
• Provider source — 4 pages; offer March 31, 2025-December 31, 2026; issuance date unstated
• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Fractional shares

Limited or assisted

Eligible stock/ETF fractions in IRA recurring buys

Recurring-investment help explicitly includes cash IRAs and eligible fractional stocks/ETFs. Fixed-amount instructions have a $1 minimum; dynamic instructions have a $2 minimum and narrower eligible products. Fractional positions are not assumed transferable in kind.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated

Crypto in IRA

Not confirmed

IRA crypto eligibility not confirmed

The current crypto article describes a separate crypto service and account. It does not establish native-coin or crypto-linked security access in a Roth IRA. Both IRA permissions remain unconfirmed.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated

Excess-contribution correction route

Limited or assisted

Corrective forms via help/email

The current distribution help requires a special form for excess-contribution removals and distributions requiring NIA. Completed IRA-specific forms go through in-app Help Center or email. This is assisted digital submission, not ordinary withdrawal or verified instant correction; recharacterization procedure is not established by this body.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. historical body read not current workflow; public content read

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

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — V38; Last updated October 1, 2026; 5 pages

Transfer-out fee

Terms and pricing

$100 ACAT; conditional $100 IRA close; $25 wire

V38 lists a $100 outgoing ACAT, a $100 IRA closing fee that may apply below a $100 balance, and a separate $25 outgoing wire fee. Charges depend on route and circumstances; neither $200 nor $225 is a universal exit bill. Promotional recapture is separate.

Source evidence checked: 2026-10-17. public content read

• Provider source — V38; Last updated October 1, 2026; 5 pages

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Undated current regular/rollover terms; each Offer Period begins 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Undated current regular/rollover terms; each Offer Period begins 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Publisher relative update label; exact publication/update date unknown

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — January 7, 2026 help article
• Provider source — Last Updated October 2026; exact day unstated; 3 pages
• 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.

Source evidence checked: 2026-10-17. public content read; historical version body read not current fee

• Provider source — Last Updated October 2026; exact day unstated; 3 pages
• Provider source — July 10, 2026 help article
• Provider source — Last Updated January 2026; historical version; 2 pages; 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — September 17, 2026
• Provider source — August 11, 2026

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Relative label updated over 2 weeks ago; exact date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — April 20, 2026

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — September 24, 2025

Fractional shares

Published IRA feature

IRA stock/ETF fractional shares and Pie investing

The current retirement FAQ explicitly permits fractional shares of U.S.-listed stocks and ETFs in M1 IRAs, using Pie investing. The generic fractional help's 1/100,000 precision is not separately certified as an IRA-specific minimum or precision guarantee.

Source evidence checked: 2026-10-17. public content read

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

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — November 5, 2025
• Provider source — edition 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — August 11, 2026

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — January 28, 2026

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — January 28, 2026

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — September 1, 2026
• Provider source — edition 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — March 16, 2026
• Provider source — September 24, 2025

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — November 5, 2025

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

Minimum and account fees

Terms and pricing

$0 maintenance; inactivity exception; optional Reserve $20/$200

October 13 pricing retains $0 maintenance and $3.99 monthly inactivity below $70 after six inactive months. Optional Reserve costs $20 monthly or $200 annually. Opening minimum remains unconfirmed; separate product, plan and crypto charges can apply.

Source evidence checked: 2026-10-17. public content read

• Provider source — Last updated October 13, 2026; 9-page schedule
• Provider source — 8-page Reserve Agreement; document title Published 9.23 (year unstated); Appendix A offer starts September 22, 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Last updated October 13, 2026; 9-page schedule

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — April 1, 2025

IRA match or bonus

Limited or assisted

1% Core / 4% Reserve regular; separate transfer offers

Core regular contributions pay a potential 1% over 12 monthly installments; standard eligible transfers use 60 months. Reserve advertises 4% regular contributions over 12 months, five-year asset retention and membership through 12 months after the latest matched contribution. Its agreement reduces unpaid installments after early cancellation; help instead describes recouping the 4%-versus-1% difference. Whether cancellation alone recovers already-paid installments is unconfirmed. Help says payments start the next day after settlement; the agreement allows approximately 30 days. Exact first-payment timing is unconfirmed. Eligible Webull-origin transfers initiated October 7–26, 2026 qualify for 3% over 72 months, replacing the standard offer, with a $1 million customer-wide combined transfer cap and $30,000 maximum match; excess value receives no standard match. Withdrawals can reduce future installments and closure ends payments. These are separate programs, not stackable rates.

Source evidence checked: 2026-10-17. public content read

• Provider source — Undated current 7-page terms; transfer offer from September 14, 2026; installment rules for settlements September 22, 2026 onward
• Provider source — 8-page Reserve Agreement; document title Published 9.23 (year unstated); Appendix A offer starts September 22, 2026
• Provider source — 7 pages; offer October 7-26, 2026, ends 11:59 p.m. Eastern; section 3 references cap applying before October 9; no issuance date
• Provider source — Updated over 3 weeks ago; exact date unknown

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — Undated current 7-page terms; transfer offer from September 14, 2026; installment rules for settlements September 22, 2026 onward

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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — Last updated October 13, 2026; 9-page schedule

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.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Last updated October 13, 2026; 9-page schedule

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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — July 31, 2024

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

Minimum and account fees

Terms and pricing

No opening deposit minimum; $12/month or advertised $108/year

The August 14 brochure identifies one $12 monthly subscription, effective August 1, replacing multiple tiers. No opening deposit minimum; maintenance minimum is $0.01 self-directed or $5 managed. Managed IRAs add 0.25% annually on all balances. The retirement page advertises $108 annually, but annual-plan match eligibility is unconfirmed.

Source evidence checked: 2026-10-17. public content read

• Provider source — August 14, 2026 cover; 48 pages; single subscription effective August 1, 2026
• Provider source — Version April 13, 2026; 41 pages; current disclosure-library target
• Provider source — edition date not stated
• Provider source — Effective April 28, 2025; 4-page terms

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.

Source evidence checked: 2026-10-17. public content read

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

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated

IRA match or bonus

Limited or assisted

3% eligible monthly contributions; invitation-only 2% rollover

Current $12 Stash plan material supports a 3% regular match; linked April terms still use Stash+ eligibility wording and four-year net-flow/balance recapture. Annual-plan and age-50 cap treatment remain unresolved. Separate September 9 terms offer invited customers 2% on eligible cash rollovers completed within 30 days of invitation: initial 90-day holding, then reward processing in the monthly payment cycle, potentially up to a further calendar month, plus four-year recapture conditions. Only the first qualifying account of each type counts; do not stack promotions. Invitation and operational account-type eligibility matter: the retirement FAQ does not currently support inbound IRA rollovers.

Source evidence checked: 2026-10-17. public content read

• Provider source — Effective April 28, 2025; 4-page terms
• Provider source — Published August 25, 2025; exact later update not displayed
• Provider source — August 14, 2026 cover; 48 pages; single subscription effective August 1, 2026
• Provider source — Effective September 9, 2026; invitation-only 2% rollover promotion
• Provider source — Published December 15, 2025; body updated July 6, 2026

401(k) rollover help

Published IRA feature

401(k) rollover with Capitalize

The retirement FAQ and product page describe eligible former-employer-plan rollovers with Capitalize. The advertised help does not guarantee that every plan or distribution is eligible.

Source evidence checked: 2026-10-17. public content read

• Provider source — Published December 15, 2025; body updated 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Published December 15, 2025; body updated July 6, 2026

Fractional shares

Published IRA feature

IRA fractional holdings; self-directed and managed scope

The current linked advisory agreement defines Individual Accounts to include IRAs and permits whole or fractional holdings in those accounts. Managed retirement portfolios are also covered. Fractions may be liquidated on transfer; no guarantee covers every security or order minimum.

Source evidence checked: 2026-10-17. public content read

• Provider source — Version April 13, 2026; 41 pages; current disclosure-library target

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Published October 31, 2025; updated 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Published January 5, 2026; updated 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Published December 15, 2025; body updated 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated
• Provider source — Published December 15, 2025; body updated 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated
• Provider source — Published December 15, 2025; body updated 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Published December 15, 2025; body updated 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Published December 15, 2025; body updated July 6, 2026

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

Minimum and account fees

Terms and pricing

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

Current pricing is Bronze $4, Silver $8 and Gold $12 monthly; Later starts investing at $5. Match terms' $6 Silver language belongs to the legacy-user subsection, while new-user eligibility references the current Silver plan. Do not substitute legacy prices for current pricing.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — Updated March 26, 2025; legacy and new-user sections are distinct

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established

IRA match or bonus

Limited or assisted

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

New Gold/Silver users must opt in and make eligible regular contributions during their first subscription year for 3%/1%, respectively. Rollovers do not qualify. Four-year withdrawal and plan-downgrade recapture rules apply; legacy-user exceptions are separate. Current Silver is $8 monthly; $6 appears in the legacy subsection, not the new-user eligibility rule.

Source evidence checked: 2026-10-17. public content read

• Provider source — Updated March 26, 2025; legacy and new-user sections are distinct
• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established
• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established
• 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.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — Currently served program agreement; exact issuance/update date not established

Dividend reinvestment

Not confirmed

Later reinvestment allocation and control not confirmed

Agreement A1.4 describes reinvestment toward the managed portfolio, while its Dividends definition describes buying the paying security. Automatic reinvestment is documented, but the exact Later allocation rule and user-selectable per-security control were not reconciled.

Source evidence checked: 2026-10-04. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established
• 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established
• 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established
• 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Currently served program agreement; exact issuance/update date not established

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Published December 5, 2023; updated June 2, 2026
• Provider source — edition date not stated

Transfer-out fee

Terms and pricing

$75 outgoing ACAT; $60 additional full IRA closeout

A full outgoing IRA ACAT that closes the account incurs the $75 transfer charge and $60 closeout charge, totaling $135 for that route. A partial ACAT does not itself close the account. Some assets cannot transfer through ACATS.

Source evidence checked: 2026-10-17. public content read

• 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

The IRA policy explicitly says idle cash earns no interest. Default bank or money-market-fund sweep arrangements were not established; internal sub-account movements are a separate matter.

Source evidence checked: 2026-10-17. public content read

• Provider source — Published December 5, 2023; updated June 2, 2026

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.

Source evidence checked: 2026-10-04. public content read

• Provider source — Referral 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated

Options in IRA

Limited or assisted

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

The Works tier’s naked-call permission has a published $25,000 start-of-day account-value condition. Futures have additional qualification and margin requirements. Permissions depend on the account’s approval tier; this is not a recommendation to use these strategies.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — Published December 5, 2023; updated June 2, 2026

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.

Source evidence checked: 2026-10-04. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

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

Excess-contribution correction route

Limited or assisted

Cash excess/recharacterization online; positions require forms

The published process separates cash corrections from corrections involving positions and asks the customer to calculate the attributable earnings. An annual-contribution recharacterization is not a reversal of a Roth conversion.

Source evidence checked: 2026-10-17. public content read

• 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.

Source evidence checked: 2026-10-04. public content read

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

Quarterly review: October 17, 2026. Each feature keeps its own evidence-check date and source limitations below. A fresh review attempt is not a fresh confirmation, and an unconfirmed feature is not an exclusion.

Minimum and account fees

Limited or assisted

$35 annual equities IRA fee; minimum unconfirmed

The current equities schedule lists $35 annual IRA administration and $50 IRA termination. A $10 monthly inactivity fee can be waived with a $5,000 average end-of-month equity balance or at least 10 trades in the previous 90 days. The opening minimum and complete futures-IRA fee schedule remain unconfirmed. Keep product and fee components separate.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — Served form code 0825; 3 pages

Transfer-out fee

Terms and pricing

$125 outgoing transfer; $50 IRA termination when applicable

Current equities service/pricing tables list $125 outgoing account transfer and $50 IRA termination as distinct components. The form also lists $35 annual administration if not already assessed on a total distribution. No universal same-route stacking, partial-transfer distinction or personal total bill is established; futures IRAs use separate terms.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — edition date not stated
• Provider source — Served form code 0825; 3 pages

Idle-cash treatment

Limited or assisted

Published cash-interest program excludes IRAs; sweep unconfirmed

Current pricing and FAQ describe the published free-credit interest program as applying to non-IRA securities and futures accounts. That establishes this program's IRA exclusion, not complete Roth cash custody, sweep arrangements or every possible alternative.

Source evidence checked: 2026-10-17. public content read

• 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

Current Roth IRA eligibility for a contribution match or deposit bonus was not established from the promotions page. The previously recorded offer expired July 31, 2026; it is not included in the current match examples. An unconfirmed offer is not proof that no offer exists.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated

401(k) rollover help

Limited or assisted

Guided online 401(k) rollover via Capitalize; service no charge

The current page describes locating the former plan, selecting a new or existing IRA, guided submission and status tracking through TradeStation. HUB > Transfers > Rollover a 401(k) is the published entry. The service is offered at no charge; account fees and provider-dependent document steps remain. This is published availability, not a completed transaction test.

Source evidence checked: 2026-10-17. public content read

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

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Served form code 0825; 3 pages

Fractional shares

Not confirmed

Unknown

The current Stocks and FAQ bodies were read. They did not establish Roth trade-ticket fractional-share purchases. General trading tools and account lists are insufficient, and the lack of an affirmative clause is not an exclusion.

Source evidence checked: 2026-10-04. public content read

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

Automatic investing

Not confirmed

Unknown

The current retirement, Stocks and FAQ bodies were read. Platform strategy automation does not establish scheduled Roth stock/ETF purchases; recurring security-buy eligibility remains unconfirmed, not unavailable.

Source evidence checked: 2026-10-04. public content read

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

Dividend reinvestment

Not confirmed

Unknown

The current retirement and FAQ bodies were read without establishing Roth IRA dividend reinvestment. Availability remains unconfirmed; do not infer no DRIP from omission or from historical third-party reviews.

Source evidence checked: 2026-10-04. public content read

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

Options in IRA

Limited or assisted

IRA options advertised; approved strategies unconfirmed

The current retirement page expressly advertises options in TradeStation IRAs. It does not establish approved IRA strategy tiers. Taxable UGMA/UTMA and generic cash/margin option permissions must not be substituted for IRA approval terms.

Source evidence checked: 2026-10-17. public content read

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

Crypto in IRA

Not confirmed

Unknown

The current ETF page markets spot bitcoin and ether ETPs generally, but does not affirm Roth symbol eligibility. The SEC's February 2024 notice records historical intent to end US crypto trading, not current closure/no-relaunch proof. Direct-crypto and crypto-linked ETF/futures access in a Roth IRA remain unconfirmed.

Source evidence checked: 2026-10-04. public content read

• Provider source — edition date not stated
• Provider source — SEC press release 2024-16, February 7, 2024
• Provider source — edition date not stated

Custodial Roth for a minor

Not confirmed

Unknown

The served Rev May 2026 application remains a taxable UGMA/UTMA package, not a Roth IRA. Current retirement/Stocks account lists likewise do not establish minor Roth opening. Custodial Roth availability remains unconfirmed; none of these sources proves unavailability.

Source evidence checked: 2026-10-04. public content read

• Provider source — Rev 05-2026; attached CRS May 2026
• Provider source — edition date not stated
• Provider source — edition date not stated

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.

Source evidence checked: 2026-10-17. public content read

• Provider source — Served form code 0825; 3 pages

Inherited IRA opening route

Limited or assisted

Beneficiary IRA application/documents published; full online route unconfirmed

The current General FAQ lists an equities IRA application, death certificate and latest statement for beneficiary IRA opening. The distribution form separately addresses death distributions. These establish documents and assistance, not a complete online beneficiary claim or transaction-tested opening.

Source evidence checked: 2026-10-17. public content read

• Provider source — edition date not stated
• Provider source — Served form code 0825; 3 pages