401K Bonus Details
The following brokers and financial services firms are all well known and offer tools, services, or promotions that help them stand out.
Acorns
Rolling a 401(k) into Acorns does not come with a large cash rollover bonus like some brokers offer. Instead, Acorns focuses on its Acorns Later retirement account and the company’s Later Match program. Acorns says you can roll over an existing 401(k) into an Acorns Later IRA with help from its support team.
Acorns’ main retirement incentive is the Later Match. Based on Acorns’ current terms, eligible users can receive either a 1% or 3% match on qualifying new contributions to an Acorns Later IRA, depending on the subscription tier and offer terms. This is different from a direct 401(k) rollover bonus, but it can still add value for retirement savers who plan to keep contributing after the rollover.
Acorns also makes it clear that a rollover from an old 401(k) is allowed, which can be useful
for investors who want to consolidate retirement savings into one IRA and then continue building the account with matched contributions over time.
Reasons to Choose Acorns
Acorns appeals to investors who want a simple, automated approach to retirement saving. Its platform is built around long-term investing, and the company offers Acorns Later as its IRA solution for retirement accounts.
Another reason to consider Acorns is ease of use. The service is designed for people who want a hands-off approach, and ongoing contributions can work well with the Later Match program for eligible users.
Charles Schwab
Charles Schwab’s 401(k) rollover special can pay new clients up to $1,000. The account must generally be opened through Schwab’s referral offer, and qualifying net deposits can include rolled-over retirement assets in eligible accounts.
Schwab’s bonuses come in four sizes: $100, $300, $500, and $1,000. To unlock each bonus tier, you must deposit at least $25,000, $50,000, $100,000, and $500,000, respectively.
After choosing the deposit amount you want to use, you must complete the funding within the first 45 days after opening the account.
Reasons to Choose Charles Schwab
There are many reasons to consider Schwab for your 401(k). The company is very large and has a long history of serving investors. It also offers extensive research, a broad investment lineup, and strong trading platforms.
In terms of pricing, Charles Schwab is commission-free on online stock and ETF trades. It also does not require a general minimum deposit for a standard brokerage account.
Robinhood
Despite the broker's relatively young age, Robinhood’s retirement accounts are getting attention because of the company’s IRA match promotion.
The standard program currently offers a 1% match on IRA transfers and old 401(k) rollovers into self-directed IRAs. Robinhood Gold members can earn a 3% match on eligible annual contributions, but only a 1% match on IRA transfers and old 401(k) rollovers.
One important thing to keep in mind is that the transferred amount generally must stay in the account long enough to satisfy Robinhood’s program rules, and Gold membership costs $5 per month.
Reasons to Choose Robinhood
Investors who value ease of use and simplicity without giving up control over their own investments may appreciate Robinhood.
Robinhood offers access to stocks, ETFs, and options. It also offers crypto trading in taxable accounts, along with a spending account and other app-based features.
If you activate Robinhood Gold, the cost is $5 per month. Without Gold, Robinhood remains one of the lower-cost brokerage platforms for basic self-directed investing.
WiserAdvisor
WiserAdvisor is different from the other names in this list because it is not a brokerage firm. Instead of paying a rollover bonus in cash or stock, WiserAdvisor helps investors connect with financial advisors who can assist with a 401(k) rollover and broader retirement planning. The company’s website says its advisor-match service has no match fee, no obligation to hire, and includes a complimentary initial consultation.
WiserAdvisor also publishes 401(k) rollover guides and regularly explains how a rollover works, what costs to watch for, and when getting professional advice may be helpful. That makes it a useful option for investors who want guidance rather than a brokerage promo.
While there is no direct 401(k) bonus here, the value comes from being matched with screened advisors who may help you avoid mistakes, compare rollover options, and build a better long-term plan.
Reasons to Choose WiserAdvisor
WiserAdvisor may be a good fit for investors who do not want to handle a rollover entirely on their own. Its service is built around matching people with screened financial advisors, and the site emphasizes personalized advice, privacy, and free initial consultations.
This setup can be especially helpful for people who want help comparing IRA rollover options, understanding tax issues, and getting professional input before moving retirement money.
Updated on 4/15/2026.
Chad Morris is a financial writer with more than 20 years experience
as both an English teacher and an avid trader. When he isn’t writing
expert content for Brokerage-Review.com, Chad can usually be found
managing his portfolio or building a new home computer.
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