This example is based on a $7,000 contribution per year in monthly increments, with an average annual 6% return, compounded monthly, over 35 years. It is not intended to predict investment results of any specific investment. Of course, returns are not guaranteed, and will vary depending on investments and the market. If fees, taxes, and expenses were reflected, the hypothetical returns would be less.
Retirement for Individuals
Save for Retirement, Build Your Wealth.
With Icon, you get a simple, flexible, and tax-advantaged way to save and invest for retirement. No complicated paperwork. No hidden fees.
A Retirement Plan That Works for You.
Tell us a little about yourself, and we’ll build and manage a portfolio designed around your goals. Your money is invested automatically—so you can focus on living your life while your future stays on track.
Why an Icon Retirement Plan?
Easy Retirement Investing
You decide how much to save and that amount will automatically transfer to your retirement account.
Managed for You
Your savings will be invested in a portfolio tailored to your needs. Icon will automatically manage and rebalance your portfolio.
Security & Protection
Advanced encryption and two-factor authentication (2FA) keep your account safe and secure.
Tax-Advantaged Savings
You can save in a traditional IRA or a Roth IRA.
Personalized Investing and Smart Technology.
We’re dedicated to helping you keep more of your money.
Our portfolios are constructed with diversified, low-cost ETFs from leading asset managers.
We do the heavy lifting so you don’t have to.
We monitor and rebalance portfolios keeping you aligned with your investing preferences.
Smart features help you stay on track.
Icon plans don’t require a rollover a job change this means you’re always in control of your money and investments.
Portability, It's Our Thing.
We think your money should stay with you, not your employer.
Most people change jobs every few years. But what happens to your retirement savings? Too often, old 401(k)s get forgotten, stuck in high-fee accounts, or cashed out too soon. With Icon, your savings stay with you, your plan goes where you go and removes the need for a rollover at job change.
You can also consolidate old retirement plans into your Icon retirement plan.
Types of Accounts We Offer.
Roth IRA
- Enjoy tax-free growth—you won’t pay taxes on investment earnings when you withdraw in retirement.
- No required withdrawals—your money can keep growing as long as you want.
- Great for future planners—qualified withdrawals are 100% tax-free after age 59½ (and meeting the 5-year rule).
Traditional IRA
- Get a possible tax break now—contributions may be tax-deductible depending on your income.
- Grow your investments tax-deferred—you won’t pay taxes until you withdraw in retirement.
- Open to everyone—no income limits for making contributions.
- Flexible for changing needs—works well if you expect to be in a lower tax bracket later.
Questions
What is an IRA
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.
IRA-based Retirement Plans
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.
Contribution Amounts
In 2025 the annual contribution you can make is $7,000 or $8,000 if you are over 50.
Multiple IRAs
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.
The Difference Between a Roth IRA and a Traditional IRA
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.
Can I Transfer My Old Retirement Accounts to Icon
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.
What fees does Icon charge for an IRA
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.