Retirement for Individuals
The PRP by Icon.
Built for you, offered through your employer, designed for your future.
The Smart Way to Save for Retirement.
With Icon, you get a simple, secure, and flexible way to save and invest for retirement. PRPs work similar to a 401(k) but remove: complicated paperwork, hidden fees, and rollovers.
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.
Confidence and Protection.
As an SEC-registered advisor, we’re held to the highest fiduciary standards. Your account is backed by strict oversight and security standards.
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.
PRPs Are Built and Designed to Give You More Control.
401(k) plans were designed decades ago—for a world where people stayed at the same job for life. But today, most people change jobs every few years. And with every job change, 401(k)s create headaches, fees, and confusion.
That’s where Icon comes in. Our modern IRA-based retirement plan gives you the same tax advantages as a 401(k)—without the hassle. It’s simple, flexible, and designed to move with you.
How It Works.
1
Sign Up in Minutes
No paperwork, no long forms—just a few quick steps to start saving.
2
Save Automatically
You decide how much to save and that portion of your paycheck goes straight into your Icon account, so you’re always building your future.
3
Stay in Control
Your account is always yours, and doesn’t require a rollover when you leave your employer, it travels with you.
This example is based on a $5,500 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.
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.
Always Yours, No Rollovers Required.
Changing jobs? No problem.
With Icon, your retirement account stays with you—no paperwork, no rollovers, no hassle. Simply disconnect from your employer’s plan and keep saving on your terms—through your next job or directly from your bank account.
