If you’ve recently left a job or retired, rolling over your old 401(k) into an IRA can help you reduce fees, access more investment options, and simplify your finances. The best 401(k) rollover providers offer low costs, strong customer support, easy account transfers, and flexible investment choices. Below, you’ll find the top 10 401(k) rollover providers in 2026, each known for reliability, competitive pricing, and user-friendly platforms.
1. Fidelity Investments
Fidelity Investments is one of the most popular 401(k) rollover providers thanks to its zero account minimums and $0 commission trades for stocks and ETFs. When you roll over your 401(k) to a Fidelity IRA, you get access to thousands of mutual funds, including many with no expense ratio. The rollover process is straightforward, and Fidelity specialists help coordinate transfers directly with your former employer’s plan administrator. With robust retirement planning tools, strong customer service, and branch locations nationwide, Fidelity is ideal for investors who want flexibility, low fees, and hands-on support during the rollover process.
2. Charles Schwab
Charles Schwab is a top-tier 401(k) rollover provider offering commission-free stock and ETF trading, no account minimums, and extensive investment options. Rolling over your 401(k) into a Schwab IRA gives you access to low-cost index funds, professionally managed portfolios, and personalized financial advice. Schwab’s rollover specialists guide you step-by-step, helping avoid tax mistakes and delays. Investors also benefit from powerful research tools and excellent customer support. Whether you’re a hands-on investor or prefer managed solutions, Schwab provides the flexibility and resources needed to make your retirement savings work harder after a job transition.
3. Vanguard
Vanguard is known for its low-cost index funds and investor-first philosophy, making it a strong choice for 401(k) rollovers. When transferring your old 401(k) into a Vanguard IRA, you gain access to some of the lowest expense ratios in the industry. Vanguard is especially appealing for long-term, buy-and-hold investors who prefer simple portfolios built around index funds and ETFs. While its trading platform is more basic than some competitors, the cost savings can be significant over decades. For retirement savers focused on minimizing fees and maximizing compounding growth, Vanguard remains a trusted rollover provider.
4. E*TRADE
ETRADE offers a smooth 401(k) rollover experience combined with powerful trading tools. Investors can roll over funds into a Traditional or Roth IRA and access commission-free stock and ETF trades, along with a wide selection of mutual funds. ETRADE stands out for its intuitive platform, making it appealing for active investors who want more control over their portfolios. Dedicated rollover consultants help handle paperwork and coordinate direct transfers to minimize tax risks. If you want a balance between ease of use, investment flexibility, and strong digital tools, E*TRADE is a competitive rollover option.
5. TD Ameritrade
TD Ameritrade has long been recognized for its advanced trading platform, thinkorswim, and comprehensive investor education resources. For those rolling over a 401(k), TD Ameritrade provides commission-free stock and ETF trades, no account minimums, and extensive research tools. Rollover specialists assist with direct transfers, helping ensure the process stays tax-efficient. It’s particularly appealing for investors who want access to sophisticated charting and analysis tools within their retirement account. Combined with responsive customer support and a broad investment lineup, TD Ameritrade remains a solid option for investors seeking more control after a job change.
6. Merrill Edge
Merrill Edge is a strong 401(k) rollover provider, especially for existing Bank of America customers. By rolling over into a Merrill IRA, you may qualify for Preferred Rewards benefits, including fee discounts and banking perks. Merrill Edge offers commission-free stock and ETF trading, solid research tools, and access to professional guidance. The rollover process is well-supported, with specialists helping coordinate transfers. Investors who value integration between banking and investing often appreciate Merrill’s seamless ecosystem. It’s a smart choice for those looking to consolidate finances while maintaining access to advisory services and competitive investment options.
7. Ally Invest
Ally Invest offers a low-cost, user-friendly platform for rolling over a 401(k) into an IRA. With commission-free trades for stocks and ETFs and no account minimums, it appeals to cost-conscious investors. The rollover process is straightforward, and Ally provides online tools to help guide each step. As part of Ally Bank, investors can also link banking and investment accounts for easier money management. While its research tools aren’t as advanced as some competitors, Ally Invest works well for investors who prefer a simple, streamlined platform with competitive pricing and integrated financial services.
8. Betterment
Betterment is an excellent 401(k) rollover provider for investors who prefer automated portfolio management. After rolling over your 401(k) into a Betterment IRA, your funds are invested in diversified ETF portfolios tailored to your risk tolerance and retirement goals. The platform handles rebalancing, tax optimization, and portfolio adjustments automatically. While it charges a management fee, many investors appreciate the hands-off approach and built-in retirement planning tools. If you want professional portfolio management without hiring a traditional financial advisor, Betterment offers a simple and efficient rollover solution.
9. SoFi
SoFi provides a modern, app-based solution for 401(k) rollovers. Investors can transfer old retirement funds into a SoFi Traditional or Roth IRA with no account minimums and commission-free trading. SoFi also offers automated investing options for those who prefer a robo-advisor approach. One standout feature is access to financial planners at no additional cost, which can be helpful during a rollover. The clean mobile interface and integrated financial products make it attractive for younger investors. If you want a digital-first platform with flexibility and added financial guidance, SoFi is worth considering.
10. Interactive Brokers
Interactive Brokers is a powerful 401(k) rollover provider for experienced investors seeking advanced tools and low margin rates. While its platform may feel complex for beginners, it offers access to global markets, extensive research, and competitive pricing. Investors rolling over to an IBKR IRA can trade stocks, ETFs, options, and more. The firm emphasizes low costs and institutional-grade technology, making it appealing for hands-on investors who want complete control over their retirement portfolios. If you’re comfortable with sophisticated platforms and want broad market access, Interactive Brokers stands out among rollover providers.
Conclusion
Choosing the best 401(k) rollover provider depends on your investing style, cost sensitivity, and need for guidance. Whether you prefer low-cost index investing with Vanguard, full-service support from Fidelity or Schwab, or automated investing through Betterment, the right provider can help you preserve and grow your retirement savings. Take time to compare fees, investment options, and customer support before initiating your rollover to ensure a smooth and tax-efficient transition.