Smarter Saving Starts Here.
Take control of your retirement with professional guidance and low-cost investments built for your goals.
Why WealthspIRA?
Regardless of your age, income, or account balance, we provide solutions to today’s most pressing retirement savings concerns.
Simplicity
With a quick online setup, you can open your IRA in minutes and stay focused on your long-term goals.
Confident Investing
WealthspIRA gives you access to a broad range of low-cost, carefully selected investment options, as well as the option to get personalized investment advice.
Fee Transparency
Our fees are clear and straightforward with an IRA administration fee and an investment management fee. No trading fees, no hidden costs.
Investment Advice & Support
Select from our pre-screened investment options or receive guidance from help with your Morningstar® Retirement ManagerSM for investments selection and management. Trained representatives are available by phone, chat or email to answer your questions and guide you through the process from 9 am – 9 pm ET. Log in anytime to check balances, review transactions, adjust investments, or explore new investment strategies.
FAQs
How do I open an WealthspIRA?
-
Click the Let's Get Started button above
-
Provide your identifying information
-
Name beneficiaries (can be updated at any time)
-
Identify your funding source (e.g., transfer, rollover, or contribution)
-
Customize your account security information
You will be requested to electronically sign account documents. Once money arrives in your IRA, you'll receive an email notification inviting you to login and customize your investments.
Ready to begin? Click here to get started.
What type of account should I open?
This is an important question with tax consequences now and in retirement. The primary difference between a Traditional IRA and a Roth IRA is when you pay tax on your savings.
- A Traditional IRA allows you to make tax-deductible contributions, which means you are not paying income tax on that money now. You will pay tax on your contributions and investment earnings when you withdraw money from the IRA.
- A Roth IRA allows only after-tax contributions. Although you cannot take a tax deduction for your contributions, you can withdraw your contributions tax-free at any time. If you have a Roth IRA for at least five years and wait to withdraw your investment earnings until you are at least 59½, you will never pay tax on the investment earnings in your Roth IRA.
- If Transferring Funds, you generally want to open the type of IRA that matches the tax status of the money you are moving.
Please contact your tax advisor for more information.
How will my money be invested?
When your money arrives, it is invested in a preservation of capital strategy. You will receive an email to log into your account and review the initial investment allocation. If you want to change that allocation, you have two options:
-
Ongoing Professional Advice – Receive customized advice on your portfolio by selecting Morningstar® Retirement ManagerSM. After completing a questionnaire, you can either accept or reject the advice you receive. If you accept the advice, your account will automatically be allocated to the new investment selections and rebalanced quarterly to keep you on track.
-
Do-It-Yourself – Direct the investment of your account into any of the investment options offered by the WealthspIRA. We recommend you log into your WealthspIRA periodically to review your investment allocation to help ensure you stay on track to meet your goals.
Can I add money to my IRA account?
Absolutely! Log into your account, select the Manage tab, select Make a Contribution, and follow the instructions. The contribution can be a transfer from another IRA, a rollover from a retirement account, or come directly from your bank account.
How do I access my WealthspIRA?
You can access your account securely online at any time by logging in with the username and password you established when creating the account.
Do I need to select a beneficiary?
We recommend naming a beneficiary(ies) as soon as possible, knowing you can always make changes. By naming a beneficiary for your account, you ensure that upon your death your remaining IRA assets will pass directly to the person(s) you intended.
Note: Your beneficiaries or the executor of your estate must provide a copy of a death certificate to Customer Support to start the process.
How can I withdraw funds from my WealthspIRA?
You always have full control over your account, including when you take withdrawals. Make sure you are aware of the tax consequences when taking a withdrawal. The easiest way to exercise any of your withdrawal options is to log into your account, go to Manage, and select Withdraw Funds. Complete and electronically sign an online distribution request.
This material was created to provide accurate and reliable information on the subjects covered but should not be regarded as a complete analysis of these subjects or be considered an offer to buy a security, instrument, or service. Information was obtained from sources we believe to be reliable, but is not independently verified. It is not intended to provide specific legal, tax or other professional advice. The services of an appropriate professional should be sought regarding your individual situation. Plan Sponsors who elect to use WealthspIRA services will not receive a recommendation or referral from us to enroll in the program. Wealthspire Advisors LLC, Fiducient Advisors LLC, Wealthspire Retirement, LLC dba Wealthspire Retirement Advisory, and certain other affiliates are separately registered investment advisers. © 2026 Wealthspire