IQ Retirement Portfolios provides digital investment management and financial planning services primarily over the internet. The firm offers two main service tiers for individual clients: the IQ Retirement Digital plan, which uses algorithms to manage portfolios based on client goals, and the IQ Retirement Premium plan, which requires a $100,000 account balance and provides telephone consultations with financial consultants for personalized advice. IQ Retirement Portfolios builds portfolios using low-cost exchange-traded funds, mutual funds, cash, and annuities. In addition to ongoing management, the firm offers standalone advice packages covering specific financial topics, hourly consultations with Certified Financial Planners, and specialized retirement planning. The firm operates as a wrap fee program, meaning a single bundled fee covers both investment advisory services and trade execution.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $3.0M | 0.75% |
| $3M+ | 0.65% |
Standard annual wrap fee is up to 0.75%, with a 0.10% discount applied to portions of balances exceeding $3 million.