Personalized Retirement Plans

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Individual Retirement Accounts Personalized for You

Retirement investing made simple. Setup your account in just a few minutes and let Crecer's automated system invest your retirement savings with a strategy personalized to your investment profile.

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You shouldn't have to work your entire life.

You can still plan for retirement even if your employer doesn't offer a retirement plan that fits your needs.

Fast and Easy Setup

Take a few minutes to complete the signup form and our automated system built by experienced financial professionals will create your personalized retirement account. Your investments will be managed automatically without any action required on your part.

Automated Investment Management

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. Learn More

Flexible withdrawals with Roth IRA

With a Roth IRA, you have the flexibility to withdraw your contributions at any time tax free, but earnings withdrawn before age 59 ½ may be taxed.

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Transparent Pricing

The fee is $5 per month or 0.30% annually¹. The fee is automatically deducted from your account. 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.

Investing for retirement doesn't have to be time consuming and stressful

Use Crecer's automated investment platform to invest toward a future where you can potentially work less and have more free time

Long term investing can help grow your retirement savings through compounding over time

Consistently investing in your retirement account for multiple years can potentially result in greater retirement savings in the future

The figures shown are for illustrative purposes only and do not represent actual client results. It does not account for market volatility, fees, taxes, or investor behavior, all of which can impact outcomes. Investing involves risk, including the loss of principal.

Personalized investment portfolios automatically managed for you

Your account will be invested in a combination of stocks and bonds that aligns with your profile, carefully selected by our experienced investment team

Account Protection

Our customers' investment accounts held with our custody partner are protected by the Securities Investor Protection Corporation (SIPC) up to $500,000 per customer, which includes a $250,000 limit for cash. SIPC does not protect against losses caused by fluctuations in the market, but it does protect your assets in the event the brokerage firm that holds your account fails.²

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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.

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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.

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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 Management

Crecer’s system will automatically manage the mix of stocks and bonds in your retirement account to help keep your investments aligned with your personalized investment plan without incurring taxes on adjustments to your portfolio.

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.

Our Investment Strategy for Your Retirement Account

Crecer's Investment Model

Our investment model, built by our investment specialists, creates diversified portfolios that align with each client’s investment profile. A diversified portfolio is a strategy for putting your money into different types of investments - like stocks and bonds. It's a way to balance your investments to potentially reduce the overall risk of your account.

Portfolio Construction

Each portfolio consists of a mix of exchange traded funds (ETFs) carefully analyzed to align with the portfolio objective. An ETF is a collection of similar types of investments that are packaged together in one low-cost fund. See more details on what an ETF is

Automatic Account Rebalancing

We automatically monitor and rebalance your account with no action needed on your part. As you get older, our system will slowly shift the mix of stocks and bonds you own to prepare for your retirement years, when you may begin using your savings.

Crecer Individual Retirement Accounts (IRAs)

IRAs are “tax-advantaged” accounts, which means there are tax savings for investing in these types of accounts.

Crecer offers both Traditional and Roth IRAs. The video and table below include some of the key differences between the two types of accounts.

	Traditional IRA	Roth IRA
Are contributions tax deductible?	Yes – if you meet the income eligibility requirements. Review the requirements	No
Does this account qualify for the IRS Saver’s Credit? Review the requirements	Yes	Yes
Are there penalties and taxes on withdrawals before age 59½?	Yes – Unless you meet one of the hardship exemptions you will pay a 10% penalty and taxes on any investment gains. See a list of the hardship exemptions	No penalties on withdrawing your contributions There is a 10% penalty and taxes for withdrawing investment gains unless a hardship exemption applies. See a list of the hardship exemptions
Are there taxes on withdrawals after age 59½?	Yes – taxes on all withdrawals. Any after-tax contributions you made, meaning contributions you made in a given year that weren't eligible for a tax deduction, will not be taxed upon withdrawal.	No – as long as the account has been open at least 5 years
What are the contribution limits?	Under 50 years old: up to $7,500/year Over 50 years old: up to $8,600/year	Under 50 years old: up to $7,500/year Over 50 years old: up to $8,600/year

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