Pricing
Retired.com Pricing & Fees
At Retired.com, we believe in straightforward, transparent pricing. There are no hidden fees, no surprise charges, and no cost to open or fund your account. Below is a complete overview of what you can expect to pay, and what those fees cover for you.
Retired.com Fee Overview
$
Account Setup Fee
No startup cost to open your Retired.com account.
$
Deposit / Funding Fee
No charge for deposits, transfers, rollovers, or account funding.
$
Withdrawal Fee
No charge to withdraw funds or take a distribution.
$
Wire Fee
No charge to wire funds in or out of your account.
$
Account Closure Fee
No charge or penalty to close your account.
%
Trading Fee
Per trade, applied when buying or selling assets.
$
/mo
Account Fee
Monthly platform access, account maintenance, and security support.
Account Setup & Funding
We don't think your retirement account should quietly lose money to fees you never agreed to, so we built Retired.com without them.
There's no cost to open your account and no cost to fund it, whether that's a deposit, a transfer from another custodian, or a full rollover. There's also no cost to withdraw money, wire funds in or out, or close your account if you ever decide to leave.
Trading Fee: 1% Per Transaction
A 1% trading fee applies each time you buy or sell an asset within your account. This fee is automatically calculated as a percentage of the total transaction amount and is deducted at the time of the trade.
Your trading fee is all-inclusive. It covers:
Secure trade execution through licensed, third-party liquidity providers
Platform access and transaction infrastructure
All applicable liquidity provider costs, including exchange fees, spreads, and commissions
Account Fee: $50 per Month
A monthly account fee of $50 is charged to support the ongoing operation, maintenance and security of your account. This fee is billed monthly and covers:
Secure digital asset custody through our regulated custodial partner
Ongoing cybersecurity measures and platform maintenance
Account administration, including regulatory compliance support
Access to the Retired.com trading platform and dashboard
Customer support from dedicated IRA specialists
What Your Fees Support
The fees you pay on Retired.com fund a bundled suite of retirement account services, not just trade execution. Here's a summary of what's included:
Guided self-directed IRA creation plus rollover and transfer assistance from an IRA specialist.
Live, phone-based support from in-house IRA specialists for onboarding, account questions, and ongoing assistance.
Your assets are held by a licensed, regulated trust company using institutional-grade cold storage wallets.
Comprehensive insurance coverage through our custody partner, depending on the asset and custody solution selected.
Trade execution through licensed, third-party liquidity providers, helping ensure secure and reliable transactions.
Proprietary integrations with our custodial partner ensure your digital assets are held properly inside your IRA.
Frequently Asked Questions
Is there a fee to open an account?
No. Retired.com does not charge an account setup fee.
Is there a fee to fund my account?
No. There are no deposit fees. You can fund your account via direct bank contribution, IRA transfer, or 401(k) rollover at no cost.
Are there fees for rollovers or transfers in?
No. Incoming rollovers and transfers are not subject to a deposit fee.
Start Investing Today
Retire on your terms with Retired.com.
