Individuals

• Open your account in about 10 minutes. No paperwork pile-up, no waiting weeks to get started.
• PayLink IRA is built for anyone who wants to invest through payroll — weekly or monthly, straight from your paycheck. It also works for individuals opening a standalone IRA or rolling over a 401(k) from a previous employer.
• More choice than a state-run plan. Unlike state-sponsored payroll deduction IRAs, which typically limit you to one or two pre-set investment options, PayLink IRA gives you access to custom fund lineups from dozens of high-quality global money managers — at institutional share-class pricing. Invest like a "millionaire," no matter your account size.
• Self-direct your portfolio from dozens of funds, hand-screened from over 4,000 international and domestic mutual funds by Henderson Brothers Asset Management — all at institutional pricing.
• Prefer a hands-off approach? Choose from twelve Custom Target Date Portfolios, each built to smooth volatility and provide a retirement glide path matched to your personal risk tolerance.
• How we keep costs down: PayLink IRA pools your investments with those of our other clients through industry-leading retirement plan providers, unlocking institutional pricing on the same investments, from the same managers — at a fraction of the cost, with no minimum investment required.
• Contribute your way — payroll deduction, electronic draft, or individual contribution by check or wire.
• Flexible distribution options when you're ready to draw on your account.
• 24/7 online account access, plus real support: a Call Center for administrative questions and a Financial Advisor for investment questions.
• Low $5/month custodial fee — waived entirely once your balance exceeds $35,000.