How it works
How Retired.com Works
Retired.com makes it simple to invest in alternatives and digital assets within a tax-advantaged retirement account. Whether you're rolling over an old 401(k), transferring an existing IRA, or making a new contribution, you can be set up and invest in just a few steps.
Three Simple Steps
to Get Started with Retired.com
Funding Your Account
Retired.com supports three ways to add funds to your retirement account:
Rollovers
Move funds from an old employer-sponsored plan — 401(k)s, 457(b)s, 403(b)s and others — into your new Retired.com IRA. A rollover moves funds between two different types of retirement accounts. Our team coordinates directly with your former plan administrator.
IRA Transfer
Transfer funds from an existing IRA (Traditional, Roth, SEP, or SIMPLE) to your Retired.com account. A transfer moves funds between the same type of retirement accounts. Retired.com initiates the transfer process on your behalf.
Direct Contribution
Contribute new funds directly from your bank account, up to the annual IRA contribution limits.
Account Types
Retired.com supports the following self-directed IRA types, each with distinct tax advantages:
Traditional IRA
Contributions may be tax-deductible. Growth is tax-deferred. Taxes paid upon withdrawal.
Best For
Those expecting a lower tax rate in retirement.
Roth IRA
Contributions made with after-tax dollars. Growth is tax-free. Qualified withdrawals are never taxed.
Best For
Those expecting a higher tax rate in retirement.
SEP IRA
Designed for self-employed individuals and small business owners. Higher contribution limits than traditional IRAs.
Best For
Self-employed / small business owners.
SIMPLE IRA
For small businesses with employees. Both employer and employee contributions are permitted.
Best For
Small businesses with employees.
Trading on the Platform
Once your account is funded, Retired.com gives you full control to manage your asset portfolio at your own pace.
Dedicated Support
Every Retired.com client is supported by a team of experienced specialists available by phone. From your first account questions to ongoing rollover assistance, our team is available to help you navigate every step of the process.
Specialists can assist with:
Walking you through the account opening process
Coordinating rollovers and transfers from existing retirement accounts
Answering questions about fees, trading, and account management
Fees
Opening and funding your account is free. Retired.com's fee model includes:
No account setup fee
No deposit or funding fee
1% trading fee per transaction (buys and sells)
$50 per month platform fee
Ready to retire differently?
Book a free consultation with one of our alternative retirement specialists. We’ll show you what’s possible, walk you through your options, and help you take the next step — on your timeline.
