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IRA Account Opening

Open a Roth or Traditional IRA at Charles Schwab.

This questionnaire begins with a few IRS eligibility questions, then gathers the information needed to prepare your Charles Schwab IRA documents. When you finish, the completed paperwork is prepared and sent securely to our office, and we follow up with you for signature.

Your responses, including your Social Security or Tax ID number and identification details, are used only to prepare these documents. They are never saved in this website's database, and your own copies are masked and erased when you leave the download page.

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.

How opening an IRA works

Most people finish in about 10–15 minutes.

  1. 1. Check eligibility

    A few IRS questions determine whether a Roth or Traditional IRA fits your situation for the current tax year.

  2. 2. Answer the questionnaire

    Applicant details, employment, financial profile, risk tolerance, beneficiaries, and how you plan to fund the account.

  3. 3. Review and submit

    Every section is listed on a review screen, and you can jump back to edit any answer before submitting.

  4. 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.

What to have on hand

  • Social Security or Tax ID number
  • A government-issued ID (driver’s license, state ID, or passport)
  • Employer name and address, if employed
  • Beneficiary names, dates of birth, and relationships
  • Bank routing and account numbers, if you want to link transfers
  • A general idea of income, net worth, and investment experience

Roth IRA eligibility

Roth IRA contributions are limited by tax filing status and modified adjusted gross income (MAGI). These questions apply the published IRS limits for the 2026 tax year. This is general eligibility information, not tax or investment advice, and our office confirms it with you before anything is signed.

For single, the 2026 Roth phase-out range is $153,000 to $168,000.

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.