Loans built around your goals. Personal, securities-backed, auto, and emergency healthcare financing with clear terms and secure online applications. Explore loans →

Planning & Retirement

Guidance and tools to reach your long-term goals.

Why choose this

Built for how you invest

Goal-based planning

Set goals and see how much to save to reach them.

Retirement & college

Tax-advantaged accounts and projections for life milestones.

Protection & insurance

Coverage options to protect what you have built.

Advisors when you want

Talk with a professional on your schedule.

Manage your wealth, your way.

Choose one, multiple, or all.

Retirement planning

Retirement planning

  • Goal-based projections
  • IRA contribution tracking
  • Social Security estimates
Learn more →
College planning

College planning

  • 529 calculators
  • Savings milestones
  • Financial aid guidance
Learn more →
Estate & legacy

Estate & legacy

  • Beneficiary tools
  • Transfer on death options
  • Trust resources
Learn more →
Protection & insurance

Protection & insurance

  • Term & permanent life
  • Income protection
  • Annuity resources
Learn more →
How it works

Three easy steps to get started

1

Open an account

Apply online in minutes — no minimums to begin.

2

Fund your account

Link a bank account and move money when you're ready.

3

Invest your way

Trade, plan, and manage everything from one dashboard.

Questions

Frequently asked questions

What retirement accounts can I open?
Traditional and Roth IRAs, SEP and SIMPLE IRAs for small businesses, and rollover IRAs — all with no account minimums or setup fees.
What's the difference between Traditional and Roth IRAs?
Traditional IRAs offer a tax deduction now and tax-deferred growth; Roth IRAs use after-tax dollars but offer tax-free withdrawals in retirement. Your income and timeline determine which fits best.
Can you help me plan for college too?
Yes — 529 plans, education savings calculators, and financial aid guidance are all part of our planning tools.
Do you offer advice from real people?
Yes — you can work with a financial advisor on a complimentary or ongoing basis, or use automated investing for a hands-off approach.
Featured

Plan for what's next

Retirement, college, legacy, and protection — build the plan that fits your life.

Start planning

Overview

ADM Stocks provides a complete, self-directed investing platform built around a simple idea: give every investor the tools, research, and support they need to pursue their financial goals. This Planning & Retirement page is part of the ADM Stocks platform — explore the tools and resources available to every client.

How it works

Start by opening an account online in minutes. Fund it through a linked bank transfer, then use our web, mobile, or desktop platforms to research securities, place trades, monitor positions, and track your progress over time. Educational resources and planning tools are available at every step.

Key features