Accounts
Every account, side by side
Twelve account types, one login. No minimum to open, no maintenance fee, and you can hold as many as you need.
| Account | Best for | 2025 limit | Tax treatment | Withdrawals | |
|---|---|---|---|---|---|
| Roth IRA Retirement |
Savers who expect a higher tax rate later | $7,000 +$1,000 at 50 | After-tax in, tax-free out | Contributions any time; earnings after 59½ and 5 years | Open |
| Traditional IRA Retirement |
Savers who want the deduction now | $7,000 +$1,000 at 50 | Pre-tax in, taxed on withdrawal | Penalty-free at 59½; RMDs begin at 73 | Open |
| Rollover IRA Retirement |
Consolidating old 401(k) plans | No limit on rollover amounts | Stays tax-deferred | Same as traditional IRA | Learn |
| SEP IRA Retirement |
Self-employed and small employers | 25% of pay, up to $70,000 | Pre-tax, employer funded | Same as traditional IRA | Learn |
| Solo 401(k) Retirement |
Owner-only businesses | $23,500 deferral + employer share | Pre-tax or Roth | Penalty-free at 59½ | Learn |
| Individual brokerage Investing |
Any goal, full flexibility | No limit | Taxed on dividends and realised gains | Any time, no penalty | Learn |
| Joint brokerage Investing |
Couples and shared goals | No limit | Taxed to the owners | Any time, no penalty | Open |
| 529 college savings Education |
Tuition and qualified education costs | Gift-tax annual exclusion applies | After-tax in, tax-free for qualified costs | Tax-free for education; otherwise taxed + 10% | Open |
| Custodial UTMA/UGMA Education |
Investing on behalf of a minor | No limit | Taxed to the child, kiddie-tax rules apply | Child controls at the age of majority | Open |
| Health savings account Health |
High-deductible health plan holders | $4,300 single / $8,550 family | Deductible in, tax-free out for medical | Any time for qualified medical costs | Open |
| Cash management Banking |
Everyday cash earning a real yield | No limit | Interest taxed as ordinary income | Any time | Open |
| Workplace 401(k) Retirement |
Employees with a plan through work | $23,500 +$7,500 at 50 | Pre-tax or Roth deferrals | Per plan rules; generally 59½ | Contact |
Contribution limits and tax treatments are subject to change and may not match your circumstances. Confirm details with a qualified tax professional.
Investing accounts
Individual Brokerage
A flexible taxable account for any goal, with no contribution limits.
Open this accountJoint Brokerage
Shared ownership with rights of survivorship for couples and families.
Open this accountRetirement accounts
Traditional IRA
Potentially tax-deductible contributions with tax-deferred growth.
Open this accountEducation accounts
Custodial (UTMA/UGMA)
Invest on behalf of a minor until they reach the age of majority.
Open this accountHealth accounts
Health Savings Account
A triple tax advantage for qualified medical costs in retirement.
Open this accountBanking accounts
Still deciding?
Answer six questions and we will suggest an account type and an asset mix that fit your timeline and risk tolerance.