The easiest way

to open an IRA.

Roll over your old 401(k)s or start a new IRA in minutes.

Get started

Discover what others are saying about Finhabits

Take full control of your contributions

No account minimums. Bank-level security. No hidden fees.
Easy as can be
Never invested before? That’s okay. We make the whole process short & sweet from the moment you sign up.
Save on your own terms
We build a portfolio around your specific needs, and you decide your contributions.
Fairness in fees
$1 per month for accounts under $2,500 or 0.5% per year for accounts above $2,500.
Real experts
No reason for confusion here! But just in case, we have real people standing by to answer all your questions.

We offer three types of accounts

Traditional IRA
Take advantage of
tax benefits today.
Roth IRA
Enjoy tax-free withdrawals
in the future.
Individual Account
Invest for
medium-term needs.
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Security is everything

There’s nothing more important to us than keeping your money and personal information safe. Finhabits is an SEC Registered Investment Advisor, and you can count on bank-level security including a 256-bit SSL encrypted connection on our site. And rest assured, your money is held in accounts insured up to $500,000 by SIPC.

Security is everything

There’s nothing more important to us than keeping your money and personal information safe. Finhabits is an SEC Registered Investment Advisor, and you can count on bank-level security including a 256-bit SSL encrypted connection on our site. And rest assured, your money is held in accounts insured up to $500,000 by SIPC.

Frequently asked questions

What is the difference between a 401(k) and an IRA?
Typical American workers will have multiple retirement accounts by the end of their careers, and these can be 401(k)s or IRAs. While a 401(k) is an employer-sponsored plan, an IRA is set up by the individual.
What does investing with Finhabits really mean?
When you invest with us, you’re participating in the stock and bond markets by investing in a diversified portfolio of low-fee index funds. That includes buying a small piece of a large company and lending money to governments. As your investments grow, they’ll earn you interest.
Can I roll over my old 401(k) or transfer my old IRA to Finhabits?
Yes, you can rollover your old 401(k)s or IRAs to Finhabits. All you have to do is open a Traditional IRA and we’ll walk you through the steps to complete your transfer.

Open your IRA today

Get started

Questions? Call 1-800-492-1175 to speak to a team member.