Roth IRA
Contribute after-tax dollars now, then take qualified withdrawals in retirement completely tax-free. Contribute up to $7,000 a year.
Explore Roth IRAs
Retirement & investing
Your money should outlast you.
Open a retirement account in about ten minutes, invest in funds that cost as little as 0.02% a year, and see exactly where you stand against the number you actually need.
- $0 commissions on online stock and ETF trades
- No account minimum and no monthly maintenance fee
- 4.85% yield on uninvested cash, swept automatically
Member FINRA/SIPC. Securities in your account protected up to $500,000.
MeridianClad 500 Index Fund
MR500 · Expense ratio 0.02%
$223.07
+1.72% today
Closing prices over the last 90 sessions.
Today's moversView markets
ATLB
Atlas Bancorp
+7.77%
ORNR
Orion Retail Group
+7.73%
MDIV
MeridianClad High Dividen…
+7.70%
MNRG
MeridianClad Energy Secto…
-7.21%
MRSCX
MeridianClad Small-Cap In…
+6.07%
$4.2TClient assets under administration
0.02%Lowest index fund expense ratio
4,300+Funds and ETFs available
24/7Support from licensed representatives
Figures as of the most recent quarter end.
Choose an account
Start where you are
Whether you are rolling over an old 401(k), opening your first Roth IRA or saving for a child's tuition, there is an account built for it - with no minimum to get going.
401(k) rollover
Consolidate old workplace plans into one Rollover IRA. A direct rollover keeps everything tax-deferred - no withholding, no 60-day clock.
See how rollovers workBrokerage account
No contribution limits and no withdrawal rules. Trade stocks and ETFs commission-free, with fractional shares from $1.
Start investing
Wherever you are
Built to move with your life, not just your balance
The plan that works at 27 looks nothing like the one that works at 57. Ours adjusts with you.
Starting out
First Roth IRANo minimum to open
Early career
Small, automatic contributions now do more work than large ones later. Set it up once and forget it.
Open a Roth IRA
Building a family
529 college fundTax-free for education
Mid-career
Juggling a mortgage, childcare and a 401(k) match. A 529 plan keeps tuition from competing with retirement.
Explore 529 plans
Retiring
Readiness: 87%On track for 65
Later career
The question changes from "how much can I save" to "how long will it last." Our drawdown tools answer it.
Check your readiness
Low-cost funds
Open the screener
Costs compound too - in the wrong direction
Our index funds start at 0.02% a year. On a $250,000 balance that is $50 - versus $1,575 in a typical 0.63% actively managed fund.
| Fund | Type | Expense ratio | Price | YTD | 5-year | Trend | |
|---|---|---|---|---|---|---|---|
| MR500 MeridianClad 500 Index Fund |
Index Fund | 0.02% | $223.07 | +10.1% | +14.1% | Details | |
| MRIDX MeridianClad Total Market Index Fund |
Index Fund | 0.03% | $142.80 | +9.4% | +13.4% | Details | |
| MRT40 MeridianClad Target Retirement 2040 Fund |
Target Date | 0.08% | $45.30 | +8.0% | +9.9% | Details | |
| MRBDX MeridianClad Total Bond Market Index Fund |
Index Fund | 0.03% | $29.16 | +3.3% | +1.4% | Details |
Past performance never guarantees future results. Not a recommendation.
Planning
Know your number, then watch it get closer
Most people can tell you what they earn. Very few can tell you what they will need. Our planning tools translate a savings rate into a retirement income - and tell you plainly whether it is enough.
1
Answer six questions
Age, income, current savings, target retirement age, risk tolerance and expected spending.
2
See the projection
A year-by-year balance, the income it supports at a 4% withdrawal rate, and the gap if one exists.
3
Close the gap
Adjust contributions, retirement age or allocation and watch the projection move in real time.
What $600 a month becomes
Starting from $25,000 at a 7% average annual return.
You contribute$241,000
Growth does the rest$693,895
Balance after 30 years$934,895
Hypothetical illustration. Returns are not guaranteed.
Why MeridianClad
Built for the thirty-year decision, not the thirty-second trade
Protected accounts
SIPC coverage to $500,000, two-factor authentication and a $0 fraud liability guarantee.
Plain pricing
No commissions, no account fees, no transfer-out penalty. The full schedule fits on one page.
Advice when you want it
Automated portfolios from 0.25%, or a dedicated CFP® professional at 0.50% a year.
Research you can use
Screeners, allocation models and notes written for savers, not for traders.
Advice
As much help as you want - and no more
Three ways to work with us. Move between them at any time.
Self-directed
Do it yourself
$0
No advisory fee
- Full screener and research access
- Unlimited $0 online trades
- All planning calculators
Most popular
Digital portfolio
0.25%
Per year · $500 minimum
- Portfolio built from your risk profile
- Automatic rebalancing and tax-loss harvesting
- Annual plan review
Dedicated
Advisor-led
0.50%
Per year · $50,000 minimum
- A named CFP® professional
- Retirement income and tax planning
- Estate and insurance coordination
Insights
All articles
Research worth the ten minutes
The quiet case for boring index funds
Costs compound in the wrong direction. Here is what a 0.60% expense ratio actually takes out of a 30-year retirement balance.
ReadSequence-of-returns risk: why the first five years matter most
Two retirees with identical average returns can end up decades apart. The order the returns arrive in explains why.
ReadRoth or traditional? A decision that turns on one variable
Strip away the complexity and the choice is mostly a bet on your tax rate now versus your tax rate later.
Read
Common questions
Before you open an account
How much do I need to start?
Nothing. There is no minimum to open a brokerage or retirement account, and most of our
index funds have no minimum investment. Fractional shares let you invest any dollar amount from $1.
What does it cost?
Online stock and ETF trades are $0. There is no account maintenance fee, no inactivity fee
and no fee to transfer out. Funds charge their own expense ratio, from 0.02% to 0.25% a year - see the
full pricing page.
Should I choose a Roth or a traditional IRA?
It mostly turns on whether your tax rate is higher now or in retirement. Higher later
favours the Roth; higher now favours the traditional deduction. Our
Roth versus traditional guide works through the arithmetic.
How long does a 401(k) rollover take?
Opening the Rollover IRA takes about ten minutes. Moving the assets depends on your old
plan administrator - typically five to fifteen business days for a direct rollover.
Is my money protected?
Accounts carry SIPC protection up to $500,000, including a $250,000 limit for cash.
SIPC protects against broker failure, not against market losses.
Ready in about ten minutes
You will need your Social Security number, employer details and a bank account to fund from. No paperwork, no branch visit.
Already a client? Log in to your portfolio.