Retirement Investing Simplified

For Individuals & Businesses

Whether you’re planning for your own future or you’re a business owner helping employees, Crecer simplifies investing for retirement

Construction workers talking during lunch break

You shouldn't have to work your entire life.

Investing your money today could help grow your savings for retirement and give you more freedom later.

How does Crecer work?

We create your personalized retirement account and manage your investments on your behalf. You can choose how much you want to contribute to your account each month.

Why use Crecer?

Investing your money can feel time consuming and stressful. Instead of spending a lot of time managing your account, you can use our automated system built by experienced financial professionals to invest your money with a strategy personalized for you.

How do you invest my money?

We build an investment plan just for you based on your age, goals, and how much risk you're comfortable with. Every time you add money to your account, we invest it into a mix of stocks and bonds that fits your plan. As time goes on and markets shift, we’ll adjust your plan to help keep you on track for retirement. Learn More

How much does it cost?

The fee is $5 per month or 0.30% annually¹. To help you build up your retirement savings we waive the fee if the account balance is less than $1,000 in any given month.

Individual retirement accounts personalized for you

Retirement accounts designed to align with your financial profile

Leverage Crecer's automated system to invest your money so you don’t have to manage the investment decisions yourself

Investing for the long term could help you build up your savings for retirement

Learn More

An easy way to offer retirement accounts to your employees

Invite your employees to create a Crecer account and help them start saving for retirement

Setup a direct deposit in your payroll system so your employees can contribute to their retirement account directly from their paycheck

There is no cost to the business owner - and with IRAs you're not required to contribute to the employee's account

Learn More

Help your clients setup their retirement accounts

Bring more value to your clients by educating them on retirement planning

You can faciliate retirement accounts for your individual or business clients within one platform

It takes less than 5 minutes to onboard new clients

Go to Crecer Connect

Benefits of a Crecer Retirement Account

Compound Growth

Planning for retirement means planning for the long term. Compound growth happens when the potential earnings in your retirement account grow on top of each other year over year.

Click for an example

Tax Savings

Depending on your tax situation, you may be able to deduct the full amount you contribute to a Traditional IRA account from your taxable earnings. You may also qualify for the IRS Savers Credit for both Traditional and Roth IRA accounts, which offers a tax credit on up to $2,000 of your contributions to your retirement account.

Click for an example

Flexible Account Ownership

If you move to another state or change employers you don’t have to transfer your account to another provider, you can contribute to your Crecer account in any state and with any employer.

Tax-Free Investment Rebalancing

Crecer’s system will automatically rebalance the mix of stocks and bonds in your retirement account to help keep your investments aligned with your personalized investment plan without incurring taxes. In a normal brokerage account, every time you sell your investments you pay taxes on your gains. However, in a retirement account, you can rebalance freely without incurring taxes.

Automated Account Management

Our system is designed to automatically manage your account without any action required on your part. You can relax knowing that your money is being invested with a strategy personalized for you.

Plan for Potentially Working Less

After years of working hard, you may want more time for yourself. Saving for retirement today may provide you with more flexibility in the future.

Elderly couple smiling while reviewing something

Want more info on the types of accounts Crecer offers?

Learn More