Rollover IRA Made Easy
When to do an IRA rollover
When you switch jobs and can’t (or don’t want to) transfer your savings to your new employer-sponsored plan
When you have multiple retirement savings accounts (Traditional IRAs, 401k or other qualifying accounts) and want to consolidate them
Ways to get started
Already a Finhabits client
Login to get started
Do you have questions?
Call 1-800-492-1175 a rollover agent
Follow these 3 easy steps:
Open a new Finhabits Traditional IRA
If you already have one, you’re ready for the next step
Contact your old provider(s)
Tell them you want to make a direct rollover to a Finhabits IRA
Talk to a Finhabits agent
Let us know if you have any questions. We’re here to help!
We’ve helped over 900,000 people learn better financial habits.
Our clients have invested more than $400 million at Finhabits. We’re excited to help you too!
Security is everything
We manage your data with the same care as a bank.
There’s nothing more important to us than keeping your money and personal information safe and sound.
Finhabits is an SEC-registered investment advisor. With Finhabits, you can count on bank-level security that includes a 265-bit SSL-encrypted connection on our site.
And you can rest easy, since your money is held in accounts insured up to $500,000 by SIPC.
Expert investment portfolios
Our team has over 20 years of experience in asset management.
Finhabits uses exchange-traded funds. These ETFs include hundreds of companies like Tesla, Amazon, and Disney.
Finhabits diversify your portfolio investing in ETFs that include:
- U.S. stocks
- International stocks
- Government bonds
- Corporate bonds
- Real Estate Investment Trusts (REITs)
How much does Finhabits cost?
Our platform subscription fee is $10 per month.
If your investment account balances go over $12,000, you automatically switch to an annual Asset Management fee of 1.0% (this fee applies up to a maximum combined balance of $100,000; any balance above that amount is not subject to additional advisory fees).
We invest your money in low-cost index funds managed by BlackRock, Vanguard, and Goldman Sachs. These funds incur on average a fee of 0.12% per year, which is charged in addition to the fee you pay Finhabits. Additional custodian charges that are not part of the normal service may also be incurred. Please review our ADV Part 2 for more details.
Why invest at Finhabits
Automatic diversification and rebalancing of your portfolio by our team of experts
DRIP - Dividend Reinvestment Program to help your investments grow faster through the power of compounding
Recurring investments make it easy so you don’t miss out when life gets busy
Fractional shares - start with as little as $5
Learn from the experts to become an expert with our award winning Money Journeys and insightful videos
Finhabits is a registered SEC investment advisor and your money is held in accounts insured up to $500K by SIPC*
*Finhabits Advisors is an SEC registered investment adviser. Registration does not imply a certain level of skill or training. Securities in your account are protected up to $500,000. See SIPC.org for more details.
FAQs
A rollover is when you move your retirement savings from an old employer-sponsored plan, such as a 401k or IRA account into a Traditional Finhabits IRA (Individual Retirement Account).
Our Traditional IRA simplifies your life. When you roll over to Finhabits, your retirement savings keep their tax-deferred status and you avoid triggering taxes or early withdrawal penalties.
A Finhabits IRA also provides your money with a diversified investment portfolio with low fees, particularly when compared with a 401k. Our automated deposits feature allows you to set up automatic deposits to continue savings for the future.
The expected long-term return of our investment portfolios for IRAs ranges between 4-8% per year.
Yes, you can add money to your Finhabits IRA with weekly, semi-weekly, monthly or annual contributions. Please check with your tax professional about your IRA annual contribution limits.
There are no tax implications if you complete a direct rollover properly into a Traditional IRA.
If you’ve made it this far, it’s because
your future matters to you
Don’t wait any longer—download the app, become a member and start building your financial future.