Check that you meet Roth IRA income eligibility rules
Decide whether you want a bank, brokerage, robo-advisor, or mutual fund company
Compare account fees, investment options, and minimum deposit requirements
Gather your Social Security number, government ID, employment information, and bank account details
Open the Roth IRA online or in person
Choose your contribution amount
Link your bank account for funding
Make your initial deposit
Select your investments
Set up automatic contributions if desired
Review your account regularly and adjust investments as needed