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Rollover IRA Made Easy
Ways to get started:
New to Finhabits
Get started with a Rollover IRA account →
Already a Finhabits client?
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Do you have questions?
Call 1-800-492-1175 a rollover agent →
When to do an IRA rollover?
Simplify your life with Finhabits. Learn more about our Traditional IRAs here
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 (401k or Traditional IRAs) and want to consolidate them
Got a different goal?
Got a different goal?
Start here for any mid- to long-term goal →
Got a different goal?
Start here for any mid- to long-term goal →

You don’t need to be an expert to invest your money successfully. Finhabits does that for you.

Follow these 3 easy steps:

1

Open a new Finhaabits Traditional IRA
If you already have one, you’re ready for the next step

2

Contact your old provider(s)
Tell them you want to make a direct rollover to a Finhabits IRA

3

Talk to a Finhabits agent
Let us know if you have any questions. We’re here to help!
Download Finhabits

You don’t need to be an expert to invest your money successfully. Finhabits does it for you.

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%.

​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.
Our services include:
More than 80,000 people have already invested with Finhabits!
Our services include:
Investment
Accounts
Three types of investment portfolios built to meet your financial goals — saving for an emergency, saving for retirement, or growing your wealth.
Automated
deposits
Finhabits lets you schedule weekly, biweekly, or monthly deposits. You can start with $10, $100, or $1,000. You decide!
Dividend
reinvestment
All the dividends you earn are reinvested to purchase more shares. This helps accelerate the power of long-term compounding in your investments.
Portfolio
rebalancing
Finhabits rebalances your portfolio regularly to ensure an appropriate asset mix for your investments.
Educational videos
and podcasts
Learning about money and financial habits can be difficult. That’s why the Finhabits app includes educational videos and podcasts about building good financial habits.
Bilingual App
& Support
The Finhabits app and customer support is available in both English and Spanish.
Frequently asked questions
What is an IRA rollover?

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).

What are the benefits of rolling over to a Finhabits IRA?

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.

What is the expected annual return of a Finhabits IRA?

The expected long-term return of our investment portfolios for IRAs ranges between 4-8% per year.

Can I add more money to my Finhabits IRA later?

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.

Will owe taxes if I do a rollover?

There are no tax implications if you complete a direct rollover properly into a Traditional IRA.

If you’ve scrolled this far, it’s because you care about your future

Invest your money with a real strategy
Take the first step today. ¡Sin compromisos!

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Investment advisory services offered through Finhabits Advisors LLC ("Finhabits"), an SEC registered investment adviser. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not indicative of future returns. You may lose money. All visuals are illustrative only. Featured individuals are actors or paid spokespeople and not clients of Finhabits unless otherwise noted. Any testimonial of advisory services is representative of the client's view at the time it was collected. Securities offered through Apex Clearing Corporation, Member FINRA, SIPC. Securities in your account are protected up to $500,000. See SIPC.org for more details. By using this service, you hereby consent to our Terms of Use and Privacy Policy. A person shall only become a client of Finhabits when he or she has signed the advisory agreement and acknowledged receiving all disclosures from Finhabits. Exchange Traded Funds are provided by Vanguard and iShares, registered trademarks of The Vanguard Group Inc. and BlackRock Inc. ​
​
When deciding whether to rollover a retirement account, you should carefully consider your personal situation and preferences. This information is for general informational purposes and is not intended to be an individualized recommendation that you take any particular action. Factors that you should consider include: investment options, fees and expenses, services, withdrawal penalties, protections from creditors and legal judgments, required minimum distributions, and treatment of employer stock. Before deciding to rollover, you should research the details of your current retirement account and consult tax and other advisors with any questions about your personal situation. Finhabits does not provide tax advice.

Insurance services offered through Finhabits Insurance Services LLC, a licensed producer in certain states. Go to licenses for more details. All information herein as well as any communication on social media is neither an offer to sell insurance nor an advertisement of insurance in any place except states with licenses. Finhabits Advisors LLC is not a fiduciary to insurance products or services.

Copyright © 2024 Finhabits Inc. All rights reserved.

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