401K Bonus Details
The following brokers and financial-services companies are all well known and offer features, services, or promotions that help set them apart.
Acorns
Rolling a 401(k) into Acorns does not come with a big cash rollover bonus like some brokers advertise. Instead, Acorns centers its retirement offering on Acorns Later 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 perk is the Later Match. Under 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 not the same as a direct 401(k) rollover bonus, but it can still be valuable for retirement savers who plan to keep making contributions after the rollover.
Acorns also states that a rollover from an old 401(k) is allowed, which can be helpful
for investors who want to combine retirement savings into one IRA and then keep building the account with matched contributions over time.
Reasons to Choose Acorns
Acorns may appeal to investors who want a simple, automated way to save for retirement. Its platform is designed for long-term investing, and the company offers Acorns Later as its IRA option for retirement accounts.
Another reason to look at Acorns is its ease of use. The service is built for people who prefer a hands-off approach, and recurring contributions can work well with the Later Match program for eligible users.
Charles Schwab
Charles Schwab’s 401(k) rollover offer can give new clients up to $1,000. In most cases, the account must 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 tiers: $100, $300, $500, and $1,000. To qualify for each bonus level, you must deposit at least $25,000, $50,000, $100,000, and $500,000, respectively.
After deciding how much you want to deposit, 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 record of serving investors. It also provides extensive research, a wide investment selection, and strong trading platforms.
In terms of pricing, Charles Schwab offers commission-free online trades for stocks and ETFs. It also has no general minimum deposit requirement for a standard brokerage account.
Robinhood
Although the broker is still relatively young, Robinhood’s retirement accounts are drawing attention because of the company’s IRA match promotion.
The standard program currently gives 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 point to remember is that the transferred amount generally must remain in the account long enough to meet Robinhood’s program rules, and Gold membership costs $5 per month.
Reasons to Choose Robinhood
Investors who value simplicity and ease of use without giving up control over their own investments may like 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 turn on Robinhood Gold, the price is $5 per month. Without Gold, Robinhood is still 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 offering a rollover bonus in cash or stock, WiserAdvisor helps investors connect with financial advisors who can help 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, which costs to watch for, and when professional advice may be useful. That makes it a helpful option for investors who want guidance instead of 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 choices, and build a stronger long-term plan.
Reasons to Choose WiserAdvisor
WiserAdvisor may be a good fit for investors who do not want to handle a rollover entirely by themselves. 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 useful for people who want help comparing IRA rollover options, understanding tax issues, and getting professional input before moving retirement money.
Updated on 6/3/2026.
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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