Roth IRA vs. Traditional IRA No matter what stage of life you're in, it is never too soon to start planning for retirement, as even the small decisions you make today can have a big impact on your future. Open a Roth IRA : opens in a new window Open a Traditional IRA : opens in a new window Understanding types of IRAs We're here to help Call 866-855-5635 Chat Professional Answers 24/7 Visit Find a Schwab branch near you