Check that you have earned income
Confirm you meet the Roth IRA income limits
Choose a Roth IRA provider
Compare fees, investment options, and account minimums
Gather your personal information
Open the Roth IRA online or by phone
Link your bank account for funding
Choose your contribution amount
Make your initial deposit
Select your investments
Set up automatic contributions if desired
Review your beneficiary designation
Monitor your contributions to stay within annual limits
Review and rebalance your investments periodically