Roth & Traditional IRAs
Start a tax-advantaged retirement account with fiduciary guidance.
We handle the paperwork. Answer a short questionnaire and we prepare your Charles Schwab IRA documents, then follow up with you to review and sign. Submitting the questionnaire does not open an account — account approval is determined solely by the custodian.
Most people finish in about 10–15 minutes.
See how steady contributions can add up
Move the sliders to see a hypothetical illustration of regular contributions compounding at a fixed assumed rate.
Hypothetical ending balance
$301,355
- Total contributed
- $108,000
- Illustrated growth
- $193,355
This is a hypothetical illustration for general educational purposes only. It assumes contributions at the start of each month, a constant annual rate compounded monthly, and no fees, taxes, withdrawals, or contribution limits. It is not a projection, forecast, or guarantee of future results, and it does not reflect the performance of any investment or of GateKeeper Investment Advisers, LLC or Royal Fund Management, LLC. Actual results will differ. Investing involves risk, including the possible loss of principal.
Fee-only fiduciary advice
Advisory services are offered through Royal Fund Management, LLC, an SEC-registered investment adviser. When providing those services, our investment adviser representatives are subject to a fiduciary duty.
Charles Schwab custodian
Your account would be held at Charles Schwab & Co., Inc., an unaffiliated custodian. We never take custody of your money.
Your answers are not stored
Your Social Security or Tax ID number and identification details are used only to prepare your documents. They are never saved in this website's database, and your own copies are masked.
How opening an IRA works
Most people finish in about 10–15 minutes.
1. Check eligibility
A few IRS questions determine whether a Roth or Traditional IRA fits your situation for the current tax year.
2. Answer the questionnaire
Applicant details, employment, financial profile, risk tolerance, beneficiaries, and how you plan to fund the account.
3. Review and submit
Every section is listed on a review screen, and you can jump back to edit any answer before submitting.
4. We prepare your paperwork
Your Charles Schwab documents are prepared and sent securely to our office. We follow up with you to review and sign.
New to Roth IRAs? Read the Young Investor's Guide
A short educational guide covering how Roth and Traditional IRAs work, contribution basics, and questions to consider before you open an account. Provided for general information only — it is not investment, legal, or tax advice.
Questions before you start
Charles Schwab & Co., Inc. is an unaffiliated custodian. Neither GateKeeper Investment Advisers, LLC nor Royal Fund Management, LLC is affiliated with Charles Schwab. Eligibility results shown here reflect published IRS income limits and are not tax advice. Submitting this questionnaire does not open an account; account approval is determined solely by the custodian.