Traditional IRA

Created in 1974, the "Traditional" IRA – or just plain, "IRA", allows pre-tax contributions to grow tax deferred until distributed.

Roth IRA

Roth IRAs are funded with 'after tax' contributions, which then grow tax free for life - even upon distribution. Until 2010, not everyone is eligible for a Roth IRA, so read our eligibility requirements and see if the Roth IRA is a fit for you.

Roth IRA Conversion

Effective January 1st, 2010, Roth IRA conversions are on sale! Heretofore, many Americans have been restricted from creating Roth IRAs due to the fact that they made more than $100,000 in adjusted gross income, the current limit for conversions. That restriction goes away permanently this January.

SEP IRA

A SEP (Simplified Employee Pension) IRA is an employee benefit plan with compliance and reporting requirements simpler than those for qualified plans. For that reason, SEP IRAs are attractive for sole proprietors and small companies (up to 100 employees).

Solo(k) Plan

For sole proprietors or incorporated entities with no employees (other than a spouse), the Solo(k) plan - while a bit more complex than the SEP IRA, is widely popular because it allows for tax free, "Roth-style" deferrals, and in many cases, allows for greater annual contributions. We explain this in a lot more detail here.

Coverdell Education Savings Accounts (ESAs)

Custodial Accounts

Charitable IRAs

IRA & Solo(k) contribution limits

Here's the most up-to-date IRA contribution limit information.

IRA Fee Schedule

Solo(k) Fee Schedule