Best-in-class IRA tools (Traditional/Roth/Rollover/SEP/SIMPLE/Solo 401(k)/Inherited), free HSA, 529 plans, custodial accounts, and IBD Best HSA 2026.
Best brokers for
Retirement & IRAs
Retirement-focused brokers stand out on account-type breadth (Traditional, Roth, Rollover, SEP, SIMPLE, Solo 401(k), HSA, 529), planning tools, and zero account fees.
Full IRA lineup (Traditional, Roth, Rollover, Inherited, SEP, SIMPLE, Solo 401(k)), $0 fees, 24/7 support, branch network, and NerdWallet #1 IRA broker 2026.
Full IRA lineup, Morgan Stanley planning tools, branch network, and 24/7 support.
1% match on annual IRA contributions (capped at IRS limit, $75 on $7,500 in 2026); uncapped 1% on transfers/rollovers (5-year hold). No SEP/SIMPLE/Solo 401(k) — pair with Fidelity or Schwab for those.
1% standard IRA match across Traditional, Roth, and Rollover IRAs; 2% Plus boost Jan 22 – Apr 15, 2026. Account types limited to IRA + Rollover + SEP — no Solo 401(k) or HSA, so SoFi works best as a complement to Fidelity for self-employed savers.
Full IRA lineup (Traditional, Roth, Rollover, SEP, SIMPLE, Inherited), $0 fees, plus integrated BofA Preferred Rewards advisory discounts at $100K+.
Rankings reflect our editorial assessment. Visit each broker’s full review for the underlying methodology and freshness date.