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Página principal| Features | Full Service Brokerage IRA View details | Intuitive Investor® IRA View details | WellsTrade® IRA View details |
|---|---|---|---|
| Ability to work with a Financial Advisor who will develop a personalized investment strategy based on your goals. | A simple, easy way to get a low cost, professionally designed portfolio, automated investing technology, and access to financial advisors if and when you need it. With ongoing account monitoring and rebalancing. | An online brokerage account for managing your own investments. Buy and sell stocks, ETFs, and no-load mutual funds online. Pay $0 for online stock and ETF trades. | |
| Account review | Yes | Yes | |
| Access to Financial Advisors | In-person access to a dedicated Financial Advisor | Phone access to a team of Financial Advisors | |
| Access to no-load mutual funds including target date funds | Yes | ||
| A variety of investment options (such as stocks, bonds, mutual funds, ETFs) | Yes | Yes | |
| Minimum opening deposit | $0 | $500 | $0 |
| Account fee | $125-$300 per household with ways to waive | All account advisory services included in your 0.35% annual advisory fee (PDF) | $0 |
| Get started | 1-877-493-4727 Open a Full Service Brokerage IRA | Open an Intuitive Investor account | 1-877-573-7997 Open a Wells Trade IRA |
Wells Fargo Bank, N.A. is not accepting new applications for Destination® IRA savings accounts or CDs (time accounts) at this time.
If you currently have a Destination IRA and need help with contributions, rollovers, distributions, or a new account to fund your existing plan, please call 1-800-BEST-IRA (1-800-237-8472). View rates.
Please keep in mind that rolling over your QRP assets to an IRA is just one option. You generally have four options for your QRP distribution:
Each of these options has advantages and disadvantages and the one that is best depends on your individual circumstances. When considering rolling over your assets from a QRP to an IRA, factors that should be considered and compared between QRPs and IRAs include fees and expenses, services offered, investment options, when you no longer owe the 10% additional tax for early or pre-59 ½ distributions, treatment of employer stock, when required minimum distributions begin and protection of assets from creditors and bankruptcy. Investing and maintaining assets in an IRA will generally involve higher costs than those associated with QRPs. You should consult with the plan administrator and a professional tax advisor before making any decisions regarding your retirement assets.
Review information on FDIC coverage and SIPC protections (PDF)
Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.
$0 per trade is applicable to commissions for online and automated telephone trading of stocks and exchange-traded funds (ETFs). For stock and ETF trades placed with an agent over the telephone, a $25 agent-assisted trading fee is charged. Each trade order will be treated as a separate transaction subject to commission. An order that executes over multiple trading days may be subject to additional commission. One commission will be assessed for multiple trades, entered separately, that execute on the same day, on the same side of the market. Other fees and commissions apply to a WellsTrade account. For complete information on fees and commissions, refer to the WellsTrade Account Commissions and Fees Schedule. Schedule subject to change at any time.
Households composed solely of a single IRA or where an IRA is the only non-exempt account are subject to a $125 annual custodial fee in lieu of the annual household fee. The fee can be reduced to $100 with enrollment in Electronic Documents (eDocs). All accounts must be enrolled in electronic delivery to receive the following documents online only including statements, trade confirmations, other documents, and shareholder communications, excluding tax documents/1099s. Please note that if a client elects to turn off paper delivery of these documents, they will receive these documents only via Access Online. In households with multiple non-exempt IRA accounts, each account will be charged $125 until the $300 household maximum is reached. In that case the fee will be prorated among all the non-exempt accounts in the household. If a custodial fee is due, clients will receive a remittance notice with several payment options. If a payment option is not selected, the fee will be automatically deducted from the applicable account or accounts in September. Annual custodial fees are waived for household relationships of $500,000 or more or linked to a Wells Fargo Bank Premier Checking account or Private Bank Interest Checking account. Some brokerage accounts are not eligible to be linked to a Premier Checking or Private Bank Interest Checking account and they will not receive the Premier Checking or Private Bank Interest Checking account benefits. Other waivers may apply; see the Wells Fargo Advisors schedule of fees for a complete list of waivers and discounts.
Wells Fargo Destination IRAs, both Traditional and Roth IRAs, are available through Wells Fargo Bank, N.A. The maximum insurance coverage is $250,000 for all Traditional and Roth IRAs, any Simplified Employee Pension accounts, "Section 457" deferred compensation plan accounts, self-directed Keogh plan accounts, and self-directed defined contribution plan accounts owned by the same person at the same bank.
Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.
Retirement Professionals are registered representatives of and offer brokerage products through Wells Fargo Clearing Services, LLC (WFCS). Discussions with Retirement Professionals may lead to a referral to affiliates including Wells Fargo Bank, N.A. WFCS and its associates may receive a financial or other benefit for this referral. Wells Fargo Bank, N.A. is a banking affiliate of Wells Fargo & Company.
WellsTrade® and Intuitive Investor® accounts are offered through WFCS.
CD (Time Account) and Savings Account IRAs are available through Wells Fargo Bank, N.A.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
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PM-12272025-6737841.6.1
LRC-0624
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