Rollover IRA Made Easy
Ways to get started:
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

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

Follow these 3 easy steps:


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


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


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
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:
Three types of investment portfolios built to meet your financial goals — saving for an emergency, saving for retirement, or growing your wealth.
Finhabits lets you schedule weekly, biweekly, or monthly deposits. You can start with $10, $100, or $1,000. You decide!
All the dividends you earn are reinvested to purchase more shares. This helps accelerate the power of long-term compounding in your investments.
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!