Best Roth Conversion Providers of 2026

Honest reviews of the best Roth conversion providers, reviewed and ranked on account minimum, provider type, human advisor access, and investment options.

Betterment Best for Automation
4.4
4.4
Charles Schwab Best for Support
4.4
4.4
Fidelity Best Overall
4.4
4.4
Merrill Edge Best for BofA Clients
4.4
4.4
Empower Best for 401(k) Holders
4.3
4.3

Betterment

4.4
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Fastest Automated Conversion

Methodology

Our rankings are based on a comprehensive evaluation of each provider across five core criteria: Reputation, Services, Transparency, Customer Satisfaction, and Scalability. We weigh account minimums, fees, advisor access, conversion tools, and the breadth of investment options to determine each score. No provider can pay to improve its score (paid placement affects visibility only). See how we rate

A Roth conversion moves money from a pre-tax retirement account, like a Traditional IRA or 401(k), into a Roth IRA. You pay income tax on the converted amount now, and in return your future growth and qualified withdrawals come out tax-free. The right provider makes that process simple, keeps fees low, and gives you the tools or guidance to convert at the right time.

We evaluated eight leading brokerages and robo-advisors on account minimums, provider type, human advisor access, and investment options. Whether you want a hands-off automated conversion or a self-directed platform with a tax calculator, this guide helps you find the account that fits how you invest.

Key Takeaways

  • Betterment - Fast automated conversion completed in under a minute at a low fee.
  • Charles Schwab - 24/7 human support paired with multiple free IRA calculators.
  • E*TRADE - Extensive investment selection and research tools for hands-on investors.
  • Empower - Strong free planning dashboard with in-plan 401(k) conversions.
  • Fidelity - Zero-fee self-directed platform with a free Roth conversion calculator.
  • Merrill Edge - Commission-free trading with Bank of America rewards integration.
  • Vanguard - Low-cost index funds and ETFs backed by massive scale.
  • Wealthfront - Fully automated, low-cost conversions for hands-off investors.

Companies Compared

Honest reviews of the best Roth conversion providers, reviewed and ranked on account minimum, provider type, human advisor access, and investment options.

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Company Rating Account Minimum Provider Type Human Advisor Access Investment Options
4.4
$0 Robo-advisor Premium tier ($100k) Managed ETF portfolios
4.4
$0 Self-directed brokerage 24/7 support Stocks, ETFs, funds
4.4
$0 Self-directed brokerage Yes (hands-off) Stocks, ETFs, funds
4.4
$0 Self-directed + Guided Yes (Guided, $20k) Stocks, ETFs, options
4.3
$100,000 (advisory) Hybrid (tools + managed) Paid advisory Managed portfolios

All Companies Reviewed

1. Betterment

Betterment offers an extremely fast automated Roth conversion completed in under a minute, with low-cost robo-managed ETF portfolios. Its Digital plan charges 0.25%/yr and its Premium tier adds CFP access.

Best for: Hands-off automated conversions

4.4/5

Account Minimum$0
Provider TypeRobo-advisor
Human Advisor AccessPremium tier ($100k)
Investment OptionsManaged ETF portfolios

2. Charles Schwab

Charles Schwab pairs a strong free digital toolset, including multiple IRA calculators, with 24/7 human support at no advisory fee. It supports standard, backdoor, and Roth conversion ladders on a full self-directed brokerage.

Best for: Guided conversions with support

4.4/5

Account Minimum$0
Provider TypeSelf-directed brokerage
Human Advisor Access24/7 support
Investment OptionsStocks, ETFs, funds

3. Fidelity

Fidelity offers a robust, zero-fee self-directed platform with a free Roth conversion tax calculator and fast backdoor Roth execution. It supports standard, backdoor, and mega backdoor Roth, offset by documented administrative errors.

Best for: DIY backdoor Roth

4.4/5

Account Minimum$0
Provider TypeSelf-directed brokerage
Human Advisor AccessYes (hands-off)
Investment OptionsStocks, ETFs, funds

4. Merrill Edge

Merrill Edge offers $0-commission self-directed trading with no minimums and Bank of America Preferred Rewards integration. It supports standard, backdoor, and partial conversions, though it lacks fractional shares and crypto.

Best for: Bank of America customers

4.4/5

Account Minimum$0
Provider TypeSelf-directed + Guided
Human Advisor AccessYes (Guided, $20k)
Investment OptionsStocks, ETFs, options

5. Empower

Empower is the #2 U.S. retirement recordkeeper, with a strong free planning dashboard and in-plan Roth 401(k) conversions. Its managed advisory service starts at 0.89% AUM and has faced conflict-of-interest allegations.

Best for: Existing Empower 401(k) holders

4.3/5

Account Minimum$100,000 (advisory)
Provider TypeHybrid (tools + managed)
Human Advisor AccessPaid advisory
Investment OptionsManaged portfolios

6. Wealthfront

Wealthfront delivers low-cost (0.25%/yr) fully automated Roth conversions ideal for hands-off investors, with robo-managed ETF portfolios. It has no human advisors and does not support partial conversions.

Best for: Fully automated investing

4.3/5

Account Minimum$500
Provider TypeRobo-advisor
Human Advisor AccessNo
Investment OptionsManaged ETF portfolios

7. Vanguard

Vanguard offers low-cost index mutual funds and ETFs backed by massive scale. It handles standard and backdoor Roth conversions, though the process is clunkier than rivals and it now charges a $100 outbound transfer fee.

Best for: Low-cost index investors

4.2/5

Account Minimum$0
Provider TypeSelf-directed brokerage
Human Advisor AccessLimited (self-service)
Investment OptionsIndex funds, ETFs

8. E*TRADE

E*TRADE, now part of Morgan Stanley, offers an extensive investment selection with 6,000+ mutual funds plus strong research tools. It supports standard, backdoor, and mega backdoor Roth, though customer service is widely criticized.

Best for: Wide investment choice

4.1/5

Account Minimum$0
Provider TypeSelf-directed brokerage
Human Advisor AccessLimited (over $250k)
Investment OptionsStocks, options, funds

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Common questions about our rankings and methodology.

Our editorial team evaluates each company across more than 30 criteria, including pricing transparency, customer satisfaction scores, regulatory standing, and real-world performance data. Compensation, along with our review criteria, may determine which qualified companies we feature and the order in which they appear — see our advertising disclosure for details.

Our methodology is publicly documented, our team actively updates ratings as market conditions change, and we always disclose our compensation model. Reviews reflect our editorial assessment of each company; our advertising disclosure explains how compensation factors into which companies appear and their placement.

Some companies on our site compensate us. Compensation, along with our review criteria, may influence which qualified companies we feature and the order in which they appear. It does not change the findings of our reviews — read our full advertising disclosure for details.

Rankings are reviewed on a rolling basis — typically every 60–90 days per category, or immediately when a major industry development warrants it. Each guide displays the date it was last updated so you always know how current the information is.

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