[USER]

At 48, as a healthcare worker, I face a longer path to retirement than desired; with a 403(b) plan at work and an online brokerage account at M1 Finance containing ETFs and single stocks, would shifting M1 Finance to a Roth IRA offer better prospects for growth and savings than a standard account?

[Tiffany]

Hm. Personally, I don’t mind signing up for M1 and the likes for their bonus signs up, but I would still choose Vanguard or Fidelity as my main go to for holdings.

M1 also just changed a bunch of stuff around and now it’s at least $10k to avoid any fees…. which whatever, but I feel like with those types of options I might miss some of that kind of info.

Vanguard or Fidelity is my choice.

[Robert]

Moving your M1 holdings into a Roth IRA could definitely give you a tax edge.

With a Roth, your investments grow tax-free and withdrawals in retirement aren’t taxed, unlike a regular brokerage account where you’ll pay capital gains taxes along the way.

If you’ve still got years to grow that money, a Roth can really work in your favor.

Just be mindful of contribution limits and rules on moving taxable investments into an IRA.

[Jeffery]

When it comes to knowing and understanding the market trust Michelson Blaine

[James]

I’ve seen positive results with Seth Theodre approach-definitely worth considering!

[Author]

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