Account Types
If you're saving for a new car, retirement or a rainy day fund we have an option for you. We'll select the right account for your savings goal, all with low fees and low taxes.
Saving long term for retirement
Saving medium term for a car or house
Saving short term for a rainy day fund
No account minimum | Cancel Anytime | No fee for accounts under $10,000
Account types available
Traditional IRA
A traditional IRA is a great investment account to help you save for retirement. Yearly contributions are deducted against your gross income, which you've most likely already paid income tax on. The IRS will typically issue you a refund for the excess income tax paid. Taxable: No (Deposits), Yes (Withdrawals)
Maximum Contribution: $5,500 per year under 50 years old, $6,500 above
Maximum Age to Contribute: 70½
Withdrawl Must Start: April 1st after you turn 70½
A traditional IRA is a great investment account to help you save for retirement. Yearly contributions are deducted against your gross income, which you've most likely already paid income tax on. The IRS will typically issue you a refund for the excess income tax paid. Taxable: No (Deposits), Yes (Withdrawals)
Maximum Contribution: $5,500 per year under 50 years old, $6,500 above
Maximum Age to Contribute: 70½
Withdrawl Must Start: April 1st after you turn 70½
Roth IRA
A Roth IRA is an excellent investment vehicle to save for retirement, but it has income limits. If you earned more than $132,000 in 2016 - you're unable to contribute to a Roth IRA. Unlike a Traditional IRA the gains and withdrawals from a Roth IRA are generally tax-free even before age 59½ Taxable: Yes (Deposits), Typically no (Withdrawals)
Maximum Contribution: $5,500 per year under 50 years old, $6,500 above
A Roth IRA is an excellent investment vehicle to save for retirement, but it has income limits. If you earned more than $132,000 in 2016 - you're unable to contribute to a Roth IRA. Unlike a Traditional IRA the gains and withdrawals from a Roth IRA are generally tax-free even before age 59½ Taxable: Yes (Deposits), Typically no (Withdrawals)
Maximum Contribution: $5,500 per year under 50 years old, $6,500 above
Rollover IRA
You can move your employer based 401(k) into a Rollover IRA account and have the funds managed by us. You can roll up to one account per year. The contributions from a 401(k) are not taxed but still need to be reported. Most 401(k)'s have management fees - the average American will pay over $138,336 in 401(k) fees.
You can move your employer based 401(k) into a Rollover IRA account and have the funds managed by us. You can roll up to one account per year. The contributions from a 401(k) are not taxed but still need to be reported. Most 401(k)'s have management fees - the average American will pay over $138,336 in 401(k) fees.
Unregistered Accounts
Unregistered accounts are still a valuable investing tool as short term savings and when you reach your yearly IRA contribution limits. With an unregistered account the deposits are not taxed, however the gains are taxed at your capital gains tax rate. This rate varies based on your marginal rate - typically between 0% for those making $37,650 and under to 20% for those making $451,051 and over. Taxable: No (Deposits), Yes (Withdrawals)
Unregistered accounts are still a valuable investing tool as short term savings and when you reach your yearly IRA contribution limits. With an unregistered account the deposits are not taxed, however the gains are taxed at your capital gains tax rate. This rate varies based on your marginal rate - typically between 0% for those making $37,650 and under to 20% for those making $451,051 and over. Taxable: No (Deposits), Yes (Withdrawals)
Our Portfolios
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Defensive
Our defensive portfolio focuses on minimizing the risk of losing principal. It is great for people who want long term growth with very little risk.
Balanced
Our balanced portfolio is aimed at balancing risk and return. This portfolio is equally divided amongst equities and fixed-income securities.
Aggressive
Our aggressive portfolio focuses on capital appreciation as a main goal and the assets are heavily weighted in stocks. It is higher risk but has a potential for high returns.
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