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Investing and Retirement Help

You have questions, we have answers

Top Questions

How can I start working with a Financial Advisor?

If you are interested in investing with Wells Fargo Advisors, call us at 1-866-243-0931 or schedule a consultation.

What types of accounts does WellsTrade support?

Wells Fargo Advisors offers standard WellsTrade investment accounts and accounts for Traditional IRAs, Roth IRAs, SEP IRAs, and Education Savings accounts (ESAs). When you open a WellsTrade IRA, you have the option to roll over assets from another IRA, or to roll over a plan held with a former employer (e.g., 401(k), 403(b), 457(b)).

What are the WellsTrade account fees and commissions?

For complete information regarding fees and commissions go to WellsTrade Commissions and Fees.

Where can I find specific forms that I need?

Many forms are available at WellsTrade Account Forms.

If you do not see the form you need, you can:

  1. Sign on to your investment account
  2. Go to Customer Service > Forms
  3. Select the appropriate category tab: Account, Money & Securities, IRA, or Tax
  4. Select the desired form to print and complete

If you prefer, you can call us at 1-800-TRADERS (1-800-872-3377) and we can email required forms to you.

Why set up a margin account with Wells Fargo Advisors?

  • Competitive interest rates
  • 24/7 Online access to information: margin loan balance, margin buying power, funds available to withdraw, and margin activity information
  • Convenient margin trading: place trades online, through our automated telephone system or speak with one of our investment professionals
  • Easy withdrawal of funds, including online transfers between linked brokerage and Wells Fargo bank accounts.  You can also use margin loans against securities held in your brokerage account for a wide variety of business or personal needs.

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Top Questions

What is an IRA?

An Individual Retirement Account (IRA) is a tax-advantaged account that is designed to help you save for retirement. There are two different types of IRAs: Traditional and Roth IRAs.

What is the difference between a Traditional and Roth IRA?

The primary difference between a Traditional IRA and Roth IRA is the type of tax benefit each offers. Roth IRAs offer tax-free growth potential. Investment earnings are distributed tax-free in retirement, if a five-year waiting period has been met and you are at least age 59½, or as a result of your death, disability, or using the first time homebuyer exception. Since contributions to a Roth IRA are made with after-tax dollars, there is no tax deduction regardless of income. Traditional IRAs offer tax-deferred growth potential. You pay no taxes on any investment earnings until you withdraw or “distribute” the money from your account, presumably in retirement. Additionally, depending on your income, your contribution may be tax deductible. Deferring taxes allows for a potentially greater accumulation of wealth. For more information about the two types of IRAs, including details about eligibility, visit the Traditional vs. Roth section of our IRA Center.

How do I roll over my QRP an IRA?

Rolling over your QRP to an IRA takes just three steps. Learn how to roll over.

How do I open an IRA?

The first step in opening an IRA is to select the option that fits your individual investment style. It’s important to know that application instructions vary based on the type of investing style you choose. For additional details on bank or brokerage options, you can also call us at 1-877-493-4727.

How do I update my IRA beneficiaries?

Your beneficiary designations generally determine who will inherit your IRA and supersede instructions in your will or trust. To update your beneficiaries, have your account number available and either visit your local branch or call us at the phone number listed on your IRA statement (to access your statement simply sign on to Wells Fargo Online and select Statements and Documents in the More menu).

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