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An IRA is a personal, tax-deferred account the IRS created to give people an easy way to save for retirement. Your IRA account holds your retirement savings investments.
All Icon plans use IRAs. We use these plans because they are more flexible, easier to use, and give savers more direct control over their plan.
In 2025 the annual contribution you can make is $7,000 or $8,000 if you are over 50.
It’s not unusual for people to have more than one IRA. However your annual total contributions to any IRA cannot be over the contribution limit.
Both are retirement accounts with tax advantages, but they work differently:
- Roth IRA – You pay taxes now, but withdrawals in retirement are tax-free.
- Traditional IRA – You may get a tax deduction now, but withdrawals in retirement are taxed as income.
If you have a retirement account, like a 401(k) or 403(b), with a former employer, consider rolling over that money into an IRA. Keeping track of your portfolio can be easier when all your assets are consolidated in one place.
Pricing is 0.37% annually based on assets under management. Plus, for account balances over $500 there is a flat monthly fee of: $1/month for $1,001-$3,000 $2/month, $3,001 or more $4/month. Icon does not charge trading fees.