Traditional IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs, inherited IRAs, and 401(k) rollovers — all with zero account fees, zero commissions, and a generous qualifying welcome bonus up to CHF 2,500. Choose self-directed trading, automated Robo Advisor, or fiduciary Wealth Management inside any IRA. Tax-advantaged compounding, bank-grade security, and award-winning support.
Whether you're a W-2 employee, 1099 contractor, small-business owner, or beneficiary of an inherited account — we have a tax-advantaged retirement vehicle engineered to maximize compounding growth over your unique time horizon, with contribution limits aligned to the 2026 IRS guidelines.
Pre-tax contributions, immediate tax deduction, tax-deferred growth, and taxed withdrawals in retirement. Ideal for those in higher current brackets expecting lower marginal rates in retirement.
After-tax contributions, no immediate deduction, fully tax-free growth and qualified withdrawals in retirement. Ideal for young professionals, early accumulators, and anyone anticipating higher future tax rates.
For the self-employed, gig workers, consultants, and small-business owners. SEP IRA allows employer contributions up to 25% of compensation or CHF 69,000 — whichever is lower. SIMPLE IRA for 100+ employee firms.
Consolidate old 401(k), 403(b), 457(b), TSP, or former employer plans into one low-cost IRA. Earn up to a CHF 2,500 qualifying bonus. Our rollover concierge team handles every detail — no paperwork, no phone tag.
Zero annual account fees. Zero trading commissions. Zero custodial charges. Every IRA — Traditional, Roth, SEP, SIMPLE, inherited, and rollover — comes with free access to our Rollover Concierge team, complimentary RMD calculations, and the ability to invest via Trade, Robo Advisor, or CFP® Wealth Management.
The cornerstone of tax-advantaged retirement saving for working Americans below the Roth IRA Modified AGI phase-out. Contributions are generally fully deductible for taxpayers not covered by an employer-sponsored plan; deductibility phases out for plan participants above certain income thresholds. All investment gains compound tax-deferred until distribution, when withdrawals are taxed as ordinary income at your then-current marginal rate.
The most powerful wealth-building vehicle the Internal Revenue Code affords middle-class and upper-middle-class investors. Contributions are made with after-tax francs — no deduction is claimed — but after a five-year seasoning period and attainment of age 59½, every single distribution (contributions, earnings, capital gains, dividends) is withdrawn completely federal and state income tax free. Roth IRAs are also exempt from lifetime RMD rules during the original owner's life.
For independent contractors, 1099 gig economy workers, consultants, freelancers, and small-business owners with few or no W-2 employees. SEP IRA (Simplified Employee Pension) allows you to contribute and deduct up to 25% of net self-employment income, capped at CHF 69,000 for 2026. SIMPLE IRA (Savings Incentive Match Plan for Employees) is for firms with up to 100 employees, offering employee elective deferrals up to CHF 16,000 plus a mandatory 2% non-elective or 3% matching employer contribution.
Consolidate scattered 401(k), 403(b), 457(b), Thrift Savings Plan, Profit Sharing, Money Purchase Pension, and eligible governmental 457 plans into a single, low-cost Traditional IRA — or a Roth IRA via a taxable Roth conversion if appropriate for your personal tax situation. Our dedicated Rollover Concierge team handles every form, every phone call, every follow-up. You never speak to your former employer's plan administrator.
An unbiased, apples-to-apples look at Traditional IRA, Roth IRA, SEP IRA, and 401(k) Rollover IRA — including 2026 contribution limits, income thresholds, Required Minimum Distribution rules, and withdrawal penalties.
| Feature |
Traditional IRA
Open
|
Roth IRA
Open
|
SEP / SIMPLE IRA
Open
|
401(k) Rollover
Start
|
|---|---|---|---|---|
| 2026 Contribution Limit (Under 50) | CHF 7,000 | CHF 7,000 | SEP: CHF 69,000 / SIMPLE: CHF 16,000 | Unlimited — roll entire balance |
| 2026 Catch-Up (Age 50+) | CHF 1,000 additional (CHF 8,000 total) | CHF 1,000 additional (CHF 8,000 total) | SIMPLE: CHF 3,500 additional / SEP: N/A | N/A — applies to contributions only |
| Tax Treatment on Contributions | Pre-tax deduction (subject to MAGI) | After-tax — no income deduction | SEP: Employer-deductible / SIMPLE: both pre-tax | CHF 0 current tax (direct transfer) |
| Tax Treatment on Withdrawals | Taxed as ordinary income | Tax free — if qualified (5yr + 59½) | Taxed as ordinary income at distribution | Taxed same as receiving Traditional IRA |
| Early Withdrawal Penalty (Under 59½) | 10% penalty on earnings + income tax | 10% penalty on earnings only (contributions free) | 10% (25% SIMPLE within first 2 years) | 10% if cash out instead of rolled over |
| Required Minimum Distributions (RMDs) | Yes — start at age 75 (SECURE 2.0) | No RMDs during original owner's life | Yes — start at age 75 | Yes — same rules as receiving IRA type |
| Rollover Welcome Bonus | Up to CHF 2,500 — qualifying deposits | Up to CHF 2,500 — qualifying deposits | CHF 0 — bonus not currently offered | Up to CHF 2,500 — rollover tiers below |
| Income Limits / Phase-Outs | Deduction: MAGI phase-out if covered by plan | Single CHF 146k–CHF 161k / Joint CHF 230k–CHF 240k (2026) | SEP: none / SIMPLE: none | None — rollover at any income level |
| Investment Choices Inside IRA | Trade / Robo Advisor / Wealth Mgmt. | Trade / Robo Advisor / Wealth Mgmt. | Trade / Robo Advisor / Wealth Mgmt. | Trade / Robo Advisor / Wealth Mgmt. |
| Best For | Current high marginal bracket; expect lower in retirement | Young professionals, high future brackets, estate planning | Self-employed, 1099, small business owners | Anyone leaving a job — consolidate old plans |
Open a Traditional, Roth, SEP, or SIMPLE IRA digitally in minutes — or begin a 401(k), 403(b), 457(b), TSP rollover. Our Rollover Concierge specialists coordinate every form, signature, and ACATS/trustee-to-trustee transfer with your prior plan administrator so you never have to call a 1-800 number. Eligible rollovers and new deposits qualify for a tiered welcome bonus up to CHF 2,500 paid directly to your IRA.
Model limits, phase-outs, Roth conversions, and annual RMD amounts at age 75+.
Dedicated specialists. We call your old 401(k) admin — you never do.
Social Security, pension, RMD, and withdrawal ordering — free consultation.
Investment advisory services offered through Oxnard Wealth Advisors, LLC, an SEC-registered investment adviser and fiduciary. Securities offered through Oxnard Securities, LLC, member FINRA/SIPC. Rollover bonuses are credited as described in the Oxnard IRA Welcome Bonus Terms & Conditions; eligibility and qualifying periods apply. Tax information is educational only; consult a qualified tax professional or CPA before implementing any IRA strategy, including Roth conversions and backdoor/Mega-backdoor techniques.