Retirement Accounts

Can I open a retirement account with Motif Investing?

Yes, you can open a Motif IRA that best meets your needs. Select from Traditional IRA, Roth IRA or Rollover IRA account types.

Are there fees associated with IRAs?

Accounts with less than $10,000 but more than $0 in combined securities and cash, with no commission trades in the last three months, and without a Blue subscription will incur a quarterly platform fee of $10. We won’t charge fees if you don’t have a balance.

There is also a $95 account termination fee for closing and/or transferring an IRA or Roth IRA.

Can I rollover my 401(k) to Motif Investing?

Yes, you can rollover your 401(k) or other employer-sponsored plan to a Motif Investing IRA.

To access detailed funding instructions, please navigate to the Funding an IRA page.

Need more information about funding your IRA?

We’re happy to help. Just email us or give us a call at 1-855-586-6843. We’re available to help from 9am-6pm ET, Monday through Friday.

How do I fund my account?

You have several convenient options for funding your account including:

Directly link your bank account and transfer funds.
Submit an ACH transfer.
Submit a wire transfer.
Transfer funds from another broker (ACAT transfer).
Mail a check payable to “Pershing LLC”.

How much can I contribute to an IRA?

Contributions to a Traditional IRA and Roth IRA should be based on your eligible contribution limit, and are not to exceed $5,500 per individual or $6,500 if you’re 50 and over in 2015, 2016, 2017 and 2018.

There is no contribution limit to Rollover IRAs, since your rollover amount is based on qualified eligible funds from the employer plan.

How do I request an IRA distribution?

It’s easy – just complete and send in an IRA & Roth IRA Distribution Request form.

Mail the form with your original signature to:

Motif Investing, Inc.
P.O. Box 3548
Rancho Cordova, CA 95741

How do I change the beneficiary on my Motif Investing IRA?

Simply complete and send in an IRA Change of Beneficiary Form.