# Retired.com (Formerly Choice) — Crypto IRA > Tax-advantaged crypto retirement accounts with trading and staking. (iPhone/iPad app by Choice Holdings Incorporated.) - Source: https://appshunter.io/ios/app/retiredcom-formerly-choice/id1563472237 (this page in markdown: same URL + `.md`) - Developer: [Choice Holdings Incorporated](https://appshunter.io/developer/1502047794) - Category: Finance, Business - Price: Free - Rating: 4.70/5 from 1,496 App Store ratings · 77 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 117 MB - Languages: American English - Released: 2021-08-05 - Data updated: 2026-10-30 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/retiredcom-formerly-choice/id1563472237/reviews.md ## What is Retired.com (Formerly Choice)? Retired.com* isn't an exchange with a retirement account bolted on. Retirement is the entire product, starting with the asset our members have asked for most: crypto, held inside a tax-advantaged account built to grow for decades, not to day-trade. Trusted with $12B+ in assets under custody by a community of 250,000+ Americans. Whether you're rolling over an old 401(k) or starting fresh, Retired.com puts you in control of what your future is built on. Trade and stake without ever leaving your IRA Buy, sell, and trade Bitcoin and other digital assets, tax-advantaged Stake supported assets to earn rewards inside your IRA Move in and out of positions without a taxable event on every trade One asset, the retirement account built for you Choose the account structure that fits your goals, Self-Directed IRA, Roth IRA, SEP IRA, Solo 401(k), or Checkbook IRA. Fund it with a rollover or a transfer, and start putting your retirement savings behind the asset you believe in. Security is not an afterthought Every account is backed by SOC 2 Type 1 certified security, SIPC-protected cash, and institutional-grade cold storage for your digital assets, with $12B+ held under regulated, third-party custody. A trusted relationship, not an AI-only wall See where you stand with a free Retirement Score in minutes, then talk it through with a real specialist, available on your schedule, including weekends, who turns your score into a named plan with a person behind it. Straightforward answers, transparent pricing, no hidden fees, no surprises. Retire with Freedom. *Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice. Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com. Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform. Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value. ## Key features - Tax-advantaged crypto investing - Trade and stake digital assets - Rollover and transfer options - Various IRA and 401(k) structures - SOC 2 Type 1 certified security - Institutional-grade cold storage ## What do users think of Retired.com (Formerly Choice)? Reviews of Retired.com (Formerly Choice) are mostly negative: the Finance app is rated 4.7/5 from 1.5K App Store ratings. What users like most: easy to use app, ability to invest in crypto in IRA. Top complaints: high and hidden fees, data breach and security concerns. Summarized from real user reviews. **Pros** - 🚀 Easy to use app - 💡 Ability to invest in crypto in IRA - 👍 Simple and clean interface - 🚀 Smooth app experience **Cons** - 💰 High and hidden fees - 🔒 Data breach and security concerns - 🐛 Buggy software and glitches - 🔒 Difficulty withdrawing funds - 💰 Exorbitant monthly fees **Commonly reported bugs** - Login and withdrawal issues - Inconsistent fee information - Disappearing account balances **Most requested features** - Instant deposits and trading - Improved account statements and transparency - More crypto asset options ## Is Retired.com (Formerly Choice) safe? Retired.com (Formerly Choice) appears safe based on user ratings. The AppsHunter Safety Score for Retired.com (Formerly Choice) is 94 out of 100. This assessment is based on 1,496 user ratings, with an App Store average of 4.7 out of 5. Of 1,496 App Store ratings, 92.4% point to a safe experience, 2.5% suggest some concerns, and 5.0% point to a risky experience. ## Is Retired.com (Formerly Choice) legit? Retired.com (Formerly Choice) appears to be a legitimate app. The AppsHunter Legitimacy Score for Retired.com (Formerly Choice) is 93 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 77) All indexed reviews: https://appshunter.io/ios/app/retiredcom-formerly-choice/id1563472237/reviews.md ### 5/5 — Great Updates *2026-05-13, version 2.25.0* Long time user and always had awesome service here. Happy with bitcoin and Choice for the option! ### 4/5 — Outrageous fees *2026-01-16* Update: customer support reached out to me and resolved the fee issue. As long as they follow their promises.. I started accounts with them when they were still Kingdom Trust. At that time they charged 1% to sell or buy, which is high, but it was in-line with the competition. Now they charge both an exchange fee and a Choice fee, this would be 3.2%. They also do not allow a swap so if you are trying to trade from Solana to Bitcoin you will pay another 3.2%. So let me get this straight. They charge 6.4 %for a swap! I am moving my accounts, request from them instructions on how to do in-kind transfer. ### 1/5 — High Fees - Better Options *2025-12-15* Had my Account with Choice for 4 years before transferring it out due to the outrageous high fees they charge. Each month I was charged a super high monthly fee for just having my account open and funds invested in BTC. I didn’t trade much but there are also pretty high trading fees if trading large amounts and many other fees that they charge for that other brokerages don’t. Sure you can win a few sats playing blinko but then you’ll get hit with insane fees for your Account. During my 4 years with them there was no major feature releases or improvements. They had in their road map to allow instant deposits and trading but never implemented it. So any deposit you make takes 3-4 days to clear before you can trade, which makes buying any BTC dips impossible. They also do not provide monthly, quarterly, or any Account Statements available in your account. You have to submit a customer service ticket to get a simple Account statement. What kind of financial site/app doesn’t allow customers easy access to things like Statements? ### 1/5 — Hidden btc fees nowhere on app *2025-10-26, version 2.25.0* Don’t store your btc with them. Huge monthly fees that cant be seen in transaction history. Your btc will not grow with them. Would easily give negative rating if I could. Transfer out process is also very slow and not as efficient as other platforms. Do not recommend. ### 1/5 — High Fees *2025-10-03, version 2.25.0* Ridiculously high fees. They will make you HURT to leave them. Disappointed… ### 1/5 — High fees *2025-05-12, version 2.23.0* Do not use this app or service ### 1/5 — I’ve been scammed. *2025-02-19* I invested a small amount of money to experiment with this app. The Blinko game was a lot of fun and figured if I can just win some sats a couple times a week maybe it can see how this grows. All of a sudden as the price of bitcoin went up I was losing money. I never got notified for fees and there was no record of them. That would’ve been fine but there also no way to pullout. I’ve request several times to end my service and get back what I had even at a loss. I eventually got an email saying they closed my account because I haven’t put more money in and my balance wont cover the fees. So I just wasted hundreds of games of blinko and they took all my initial investment and its earnings. ### 3/5 — Usability Has Regressed *2025-02-17* I’ll gladly update this review to 5-stars upon improvements because that is how I felt about the product in the early days, but the usability has somehow gotten worse since opening the account a few years ago. The main issue being that market buys don’t work, and haven’t for some time. I’ve inquired several times and the response is always that the IT team is working on it. It’s been well over 6-months at this point. ### 1/5 — Fees are outrageous *2025-01-31, version 2.23.0* After the promotional period ends you end up paying insane fees that should not exist for online only options like this. They earn every dollar you might “win” back in fees in a short time. ### 1/5 — Choice is a scam - reporting to BBb *2025-01-30, version 2.23.0* I put $100 into choice two years ago when BTC was at $40k. Now that BTC is at $105k my account value is $16 because their fees are so high. I also have a new invoice from them for fees related to a self directed retirement account. The fees for having a $16 account balance with them amount to $62.50 for last year. They are charging 4x your account value in fees. Stay far away!! ## Frequently asked questions about Retired.com (Formerly Choice) ### What is Retired.com? Retired.com is a platform that connects users with third-party custodians and financial partners to facilitate cryptocurrency investments within tax-advantaged retirement accounts. It is not a bank or broker-dealer itself, but offers investment advisory services through its subsidiary, Retired Advisory, LLC. ### How secure is Retired.com? Security is a key focus, with every account backed by SOC 2 Type 1 certified security, SIPC-protected cash, and institutional-grade cold storage for digital assets. Over $12 billion in assets are held under regulated, third-party custody. ### Can I trade and stake crypto within my IRA on Retired.com? Yes, you can trade and stake supported crypto assets directly within your IRA without leaving the platform. This allows for tax-advantaged growth and earning rewards on your investments. ### What types of retirement accounts does Retired.com support? Retired.com supports various account structures including Self-Directed IRA, Roth IRA, SEP IRA, Solo 401(k), and Checkbook IRA. You can fund these accounts via rollover or transfer. ### Does Retired.com have ads? No, Retired.com does not contain advertisements. The platform is free to use, and its monetization is not driven by ad revenue. ### What is the user sentiment for Retired.com? User sentiment for Retired.com is largely negative, with common complaints including high and hidden fees, data breach and security concerns, buggy software, and difficulty withdrawing funds. While some users appreciate the ability to invest in crypto within an IRA and the app's interface, these issues significantly impact overall user satisfaction. ### How often is Retired.com updated? The latest version of Retired.com is 2.261013.1, which was last updated on October 30, 2026. This indicates a relatively frequent update schedule, aiming to improve the platform and address any issues. ### Is Retired.com available on all devices? Retired.com is available on iPhone, iPad, and iPod. It is designed for Apple's ecosystem, allowing users to manage their retirement accounts across these devices. ## Version history (last 5 releases) ### 2.261013.1 — 2026-10-30 New features and bugfixes ### 2.28.0 — 2026-09-12 Squashed some pesky bugs and added security improvements. ### 2.27.0 — 2026-08-06 Squashed some pesky bugs and added security improvements. ### 2.26.0 — 2026-07-22 Squashed some pesky bugs and added security improvements. ### 2.25.0 — 2025-09-23 Squashed some pesky bugs and added security improvements. ## Apps similar to Retired.com (Formerly Choice) | App | Rating | Price | Category | | --- | --- | --- | --- | | [BitcoinIRA: Buy & Sell Crypto](https://appshunter.io/ios/app/bitcoinira-buy-and-sell-crypto/id1534638949) | 4.5 (1,218) | Free | Finance | | [Bitcoin Libre](https://appshunter.io/ios/app/bitcoin-libre/id1590680702) | 4.4 (424) | Free | Finance | | [Anchor - Buy Bitcoin and Ether](https://appshunter.io/ios/app/anchor-buy-bitcoin-and-ether/id1495986023) | 4.3 (5,315) | Free | Finance | | [PointPay・Cryptocurrency Wallet](https://appshunter.io/ios/app/pointpaycryptocurrency-wallet/id1512836089) | 4.6 (695) | Free | Finance | | [Fold: Bitcoin Personal Finance](https://appshunter.io/ios/app/fold-bitcoin-personal-finance/id1480424785) | 4.2 (2,273) | Free | Finance | | [The Bitcoin Company Rewards](https://appshunter.io/ios/app/the-bitcoin-company-rewards/id1600995023) | 3.8 (29) | Free | Finance | ## Related topics [bitcoins ira](https://appshunter.io/ios/topics/bitcoins-ira) · [itrustcapital](https://appshunter.io/ios/topics/itrustcapital) · [choice app](https://appshunter.io/ios/topics/choice-app) · [bitanica](https://appshunter.io/ios/topics/bitanica) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-30.*