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BEST OF

Best Rollover IRA Providers

Rolling your old 401(k) over into an IRA can give you more control over your investments. Here's a list of the best brokers for an IRA rollover.

Alana Benson
By Alana Benson 
Edited by Arielle O'Shea

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.


The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

When leaving a job, many people also leave their most valuable retirement asset behind: their 401(k), which sits where it is until retirement, quietly amassing fees.

But you can — and in most cases should — roll your 401(k) over to an IRA. Depending on your plan and what you'd like to invest in, 401(k) fees can be high. You may save money and find a wider range of investment options by rolling it over to an IRA.

The toughest part is usually choosing an IRA account provider, but that’s where we come in. Here are NerdWallet’s picks for the best IRA providers for your IRA rollover.


Why you can trust NerdWallet's picks: Our writers and editors together have more than 50 years of experience writing about finance, and follow strict guidelines to maintain editorial integrity. We do a deep, independent analysis of dozens of investment firms, sorting through the details to find and evaluate the information investors want when choosing an investing account. To see our full methodology and learn more about our process, read our criteria for evaluating brokers and for evaluating robo-advisors.
🤓Nerdy Tip

Rollovers from a 401(k) don't count toward the annual IRA contribution limits. In addition to the rollover, you can directly contribute up to a maximum of $7,000 for 2024 ($8,000 if age 50 or older).

Best Rollover IRA Providers

Our pick for

Hands-On Investors

NerdWallet rating 

5.0

/5
Fidelity IRA
Learn more

on Fidelity's website

Fees

$0

no account fees to open a Fidelity retail IRA

Account minimum

$0

Promotion

None

no promotion available at this time

NerdWallet rating 

4.1

/5
J.P. Morgan Self-Directed Investing
Learn more

on J.P. Morgan's website

Fees

$0

per trade

Account minimum

$0

Promotion

Get up to $700

when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money.

NerdWallet rating 

5.0

/5
Interactive Brokers IBKR Lite
Learn more

on Interactive Brokers' website

Fees

$0

per trade

Account minimum

$0

Promotion

None

no promotion available at this time

NerdWallet rating 

4.9

/5
Charles Schwab
Learn more

on Charles Schwab's website

Fees

$0

per online equity trade

Account minimum

$0

Promotion

None

no promotion available at this time

NerdWallet rating 

4.2

/5
Vanguard
Learn more

on Vanguard's website

Fees

$0

per trade

Account minimum

$0

Promotion

None

no promotion available at this time

Our pick for

Hands-Off Investors

NerdWallet rating 

5.0

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Betterment IRA
Learn more

on Betterment's website

AD

Paid non-client promotion

Fees

0.25%

with a balance over $20K or qualifying recurring deposit. Otherwise, $4/month.

Account minimum

$0

$10 to start

Promotion

None

no promotion available at this time

NerdWallet rating 

4.8

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Vanguard Digital Advisor
Learn more

on Vanguard's website

AD

Paid non-client promotion

Fees

0.15%

per year (approximately)

Account minimum

$3,000

Promotion

No advisory fees

your first 90 days of Vanguard Digital Advisor investment management (Enrollment requires a Vanguard account with a minimum of $3,000)

NerdWallet rating 

4.9

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

SoFi Automated Investing

Unpaid non-client promotion

Fees

0%

management fee

Account minimum

$0

Promotion

SoFi will match 2% of your contributions to your IRA

Offer lasts through Tax Day, 4/15/24. Only offers made via ACH are eligible for the match. ACATs, wires, and rollovers are not included.

NerdWallet rating 

5.0

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Wealthfront IRA
Learn more

on Wealthfront's website

AD

Paid non-client promotion

Fees

0.25%

management fee

Account minimum

$500

Promotion

Get a $50 customer bonus

when you fund your first taxable investment account

NerdWallet rating 

4.6

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Fidelity Go®
Learn more

on Fidelity's website

AD

Paid non-advisory client promotion

Fees

0% - 0.35%

management fee

Account minimum

$0

Promotion

None

no promotion available at this time

NerdWallet rating 

4.7

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Ellevest
Learn more

on Ellevest's website

AD

Paid non-client promotion

Fees

$12

per month

Account minimum

$0

Promotion

2 months free

with promo code "nerdwallet"

Want to compare more options? Here are our other top picks:

Last updated on March 1, 2024

Methodology

NerdWallet’s comprehensive review process evaluates and ranks the largest U.S. brokers and robo-advisors. Our aim is to provide an independent assessment of providers to help arm you with information to make sound, informed judgements on which ones will best meet your needs. We adhere to strict guidelines for editorial integrity.

We collect data directly from providers through detailed questionnaires, and conduct first-hand testing and observation through provider demonstrations. The questionnaire answers, combined with demonstrations, interviews of personnel at the providers and our specialists’ hands-on research, fuel our proprietary assessment process that scores each provider’s performance across more than 20 factors. The final output produces star ratings from poor (one star) to excellent (five stars).

For more details about the categories considered when rating providers and our processes, read our full broker ratings methodology and our full robo-advisor ratings methodology

To recap our selections...

NerdWallet's Best Rollover IRA Providers