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Accounts that help you diversify, save, and plan ahead

Hespera offers investing accounts designed around ETF diversification — so you can trade themes, prepare for retirement, set aside cash, explore crypto exposure, and more. Set your preferences and choose the account(s) that fit your goals.

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Investment management

Most popular Self-service

Hespera Investment Account

Invest on your own with ETF-first flexibility

A multi-feature investing account that lets you allocate across Hespera ETF plans — stocks, bonds, sectors, themes, commodities, and more — from one professional dashboard.

Access the full Hespera ETF plan catalog
No platform account opening fee
Start diversifying once funded to the plan minimum that fits you

An option for someone who wants hands-on control and broad ETF choices in one place.

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Hespera Account Customer Agreement (PDF) Customer Relationship Summary (PDF)

Most popular Self-service

Roth Retirement Account

Potential tax-free growth and withdrawals¹

Save for retirement with after-tax contributions. Eligible withdrawals in retirement may be tax-free, subject to applicable rules and your jurisdiction.

No Hespera account opening fee
Potential for tax-advantaged growth
Flexibility to review contribution and withdrawal rules with Client Care

An option if you want flexibility around after-tax retirement savings and long-horizon ETF diversification.

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Retirement Account Supplement (PDF) Hespera Account Customer Agreement (PDF)

Most popular Self-service

Rollover Retirement Account

Bring workplace savings together

Consolidate former workplace retirement balances into a centralized Hespera retirement pathway so you can keep diversifying through ETF plans without scattering accounts.

No Hespera account opening fee
Continue saving across a wide range of ETF options
Client Care can help you understand rollover steps for your situation

An option for someone changing jobs, leaving a workplace plan, or simplifying ahead of retirement.

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Retirement Account Supplement (PDF)

Self-service

Traditional Retirement Account

Tax-deferred investing for retirement

Save for retirement with potential tax-deferred growth. Depending on eligibility and local rules, contributions may reduce taxable income now while earnings can grow tax-deferred.

No Hespera account opening fee
Designed for long-horizon diversification
Penalty and withdrawal rules vary — review the supplement before funding

An option if you want to prioritize tax-deferred growth potential while building ETF exposure.

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Retirement Account Supplement (PDF)

Self-service

Inherited Traditional Retirement Account

Continue tax-deferred growth potential

Designed for beneficiaries who inherit a traditional retirement account or workplace savings plan. Helps you continue structured, tax-aware investing subject to beneficiary rules.

No Hespera account opening fee
Beneficiary-aware account pathway
Pair with ETF plans that match your required timeline

An option to help continue tax-deferred growth of an inherited retirement balance.

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Retirement Account Supplement (PDF)

Self-service

Inherited Roth Retirement Account

Continue Roth-style growth potential

For beneficiaries who inherit a Roth retirement account or Roth workplace plan. Structured to support continued tax-aware growth under applicable beneficiary distribution rules.

No Hespera account opening fee
Roth-oriented inherited pathway
Educational resources via Client Care and WhatsApp

An option to help continue Roth-style growth of an inherited retirement account.

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Retirement Account Supplement (PDF)

Most popular Self-service

Hespera Cash Reserve

Competitive cash access with investing nearby

Hold cash you may need soon while staying connected to your Hespera investing dashboard — useful for short-term reserves alongside longer ETF plans.

No cash-reserve opening fee
Easy movement between reserve and ETF plans (subject to processing times)
Designed for liquidity alongside diversified investing

An option for clients who want cash on hand without leaving the Hespera platform.

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Hespera Account Customer Agreement (PDF)

Self-service

Emergency Savings Sleeve

A dedicated buffer before you take more market risk

Earmark an emergency buffer inside Hespera so everyday shocks are less likely to force you to unwind long-term ETF positions at the wrong time.

Separate labeling from growth plans
No special sleeve fee
Works alongside Cash Reserve and core ETF plans

An option for building a calm cash cushion before expanding into higher-volatility themes.

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Hespera Account Customer Agreement (PDF)

Self-service

Hespera Health Savings Account

Invest health savings for potential tax-advantaged growth²

A pathway for eligible clients to set aside funds for qualified medical expenses and optionally diversify longer-horizon balances through Hespera ETF plans.

No Hespera HSA pathway opening fee
Support for short- and long-term medical planning
Eligibility depends on your health plan and jurisdiction

An option for short- and long-term growth while preparing for qualified medical costs.

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Hespera Account Customer Agreement (PDF) Privacy Notice (PDF)

Managed by Hespera

Hespera Guided HSA

Health savings with guided ETF allocation

Combine an HSA-style pathway with Hespera Guided recommendations so longer-horizon medical savings can stay diversified without constant do-it-yourself rebalancing.

Guided allocation suggestions from the Hespera AI Advisor stack
Transparent plan minimums on underlying ETF baskets
Best suited when you intend to invest for multiple years

An option for someone who intends to invest HSA balances for 3+ years with guided help.

Get started

Investment Advisory Disclosure (PDF)

Self-service

Custodial Account

Invest for a child’s future

Save or gift toward a child’s future while an adult retains control until the age of majority. Funds can be diversified across age-appropriate Hespera ETF plans.

No custodial opening fee
Adult control until adulthood (per applicable law)
ETF diversification without needing the child to manage trades

An option for someone who wants to invest for a child while retaining control of the account.

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Education & Custodial Supplement (PDF)

Self-service

Hespera Youth Account

Set a teen up for financial confidence

Teens (with parental oversight) can learn to save and diversify in a supervised environment — building habits before full adult account independence.

No youth account subscription fee
Parental oversight tools
Educational framing around ETFs and diversification

An option for teens who can learn to invest with parental guidance and small starting amounts where plan rules allow.

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Education & Custodial Supplement (PDF)

Self-service

Education Savings Account

Save for education with tax-aware design³

A flexible education-oriented pathway designed for qualified education expenses. Earnings treatment depends on plan rules and your jurisdiction — review the education supplement carefully.

No Hespera education pathway annual fee
Save over time while diversifying through ETF plans
Use for qualified education expenses where rules allow

An option for someone who wants structured education savings with diversified market exposure.

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Education & Custodial Supplement (PDF)

Self-service

Roth Retirement for Kids

Start a child’s retirement habit early⁴

Opened on behalf of a child with earned income and managed by an adult. After-tax contributions may support long-horizon, tax-aware growth depending on eligibility.

No Hespera opening fee
Potential tax-aware growth framing
Adult stewardship with long-term ETF diversification

An option to help a child with earned income begin retirement-oriented saving early.

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Retirement Account Supplement (PDF) Education & Custodial Supplement (PDF)

Self-service

Trust Account

Control assets and build a legacy

Hold and diversify assets inside a trust structure so you can pursue greater control over how wealth is managed and eventually distributed, subject to your trust documents and counsel.

No Hespera trust account opening fee
ETF plan access for trust portfolios
Coordinate with your attorney or advisor for trust terms

An option to help secure what you leave behind and align investing with estate instructions.

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Hespera Account Customer Agreement (PDF)

Self-service

Hespera Charitable Giving Account

Give more. Plan smarter.

A donor-advised style pathway to support charities in a more organized, tax-aware way while balances awaiting grants can remain diversified where permitted.

Low administrative friction on the Hespera side
Flexible short- and long-term giving
Pair with Client Care for grant workflow questions

A flexible account for short- and long-term charitable giving.

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Hespera Account Customer Agreement (PDF) Privacy Notice (PDF)

Self-service

SEP Retirement Account

Simple retirement saving for small teams

Helps self-employed individuals and small-business owners access a tax-deferred style retirement pathway while diversifying through Hespera ETF plans.

Straightforward structure for small headcount
No Hespera SEP pathway opening fee
ETF diversification inside a business-friendly wrapper

An option for a small business owner and typically a small employee group.

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Retirement Account Supplement (PDF)

Managed by Hespera

SEP Retirement — Hespera Guided

Robo-style guidance for self-employed retirement

Same SEP-oriented benefits with Hespera Guided recommendations so you spend less time picking individual sleeves and more time running the business.

Guided ETF allocation suggestions
Transparent underlying plan minimums
Advisory disclosure applies to guided features

An option for someone seeking tax-deferred growth who wants guided investing help.

Get started

Investment Advisory Disclosure (PDF) Retirement Account Supplement (PDF)

Self-service

Self-Employed Retirement Plan

Owner-only businesses and self-employed individuals

Designed for owner-only businesses (and typically a spouse where allowed). Helps reduce taxes and save more, with Roth-style options where available.

Built for lean owner-operated firms
No Hespera pathway opening fee
Pair with ETF plans that match contribution capacity

An option for owner-only businesses and self-employed individuals.

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Retirement Account Supplement (PDF)

Self-service

SIMPLE Retirement Plan

Lower-complexity plan for growing small businesses

A lower-complexity retirement plan pathway for small businesses that want tax-aware employee saving without the overhead of a full enterprise 401(k) build-out.

Online management friendly
No Hespera plan pathway opening fee
Suitable for employers with a modest employee count

An option for employers who want a simpler retirement benefit.

Get started

Retirement Account Supplement (PDF)

Self-service

Hespera Account for Businesses

An account designed to fit your business

Help manage business capital with access to Hespera ETF plans, cash reserve tools, and clear reporting — suited to professional and corporate entities.

No investment-account opening fee
Entity-friendly onboarding with KYC/KYB
Diversify idle business cash into ETF themes when appropriate

An option for legal entities, professional corporations, and associations.

Learn more

Hespera Account Customer Agreement (PDF) Customer Relationship Summary (PDF)

Most popular Self-service

Hespera Crypto Account

Start crypto. Stay diversified.

Open a crypto-oriented pathway to access bitcoin-, ethereum-, and digital-asset–linked ETF exposure alongside traditional Hespera stock and bond ETF plans in the same client portal.

Crypto and traditional ETF plans in one dashboard
Educational content on digital-asset market structure
Review the crypto risk disclosure before funding

An option for clients who want digital-asset exposure without abandoning diversification discipline.

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Cryptocurrency Risk Disclosure (PDF) Hespera Account Customer Agreement (PDF)

Self-service

Crypto Roth Retirement Account

Crypto themes with Roth-style framing

Trade crypto-linked ETF exposure inside a Roth-oriented retirement pathway to pursue tax-aware long-term growth where rules allow.

No Hespera opening/maintenance fee on the pathway itself
Crypto and stocks/ETFs in the same client experience
Mandatory review of crypto risk disclosure

An option for retirement savers who want digital-asset themes with Roth-style treatment.

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Cryptocurrency Risk Disclosure (PDF) Retirement Account Supplement (PDF)

Self-service

Crypto Traditional Retirement Account

Crypto themes with tax-deferred framing

Access crypto-linked ETF plans inside a traditional retirement pathway aimed at tax-deferred growth potential subject to contribution and distribution rules.

No Hespera pathway opening fee
Unified dashboard for crypto-linked and traditional ETFs
Educational livestreams and articles available in-app where offered

An option for retirement savers seeking tax-deferred framing on digital-asset exposure.

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Cryptocurrency Risk Disclosure (PDF) Retirement Account Supplement (PDF)

Self-service

Crypto Rollover Retirement Account

Rollover enabled for crypto-linked ETF trading

Consolidate former workplace savings into a retirement pathway that can hold crypto-linked ETF exposure alongside core diversifiers.

Rollover-friendly onboarding
No Hespera pathway opening fee
Crypto risk disclosure required before first crypto-linked allocation

An option for someone consolidating an old workplace plan who also wants crypto-linked ETF access.

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Cryptocurrency Risk Disclosure (PDF) Retirement Account Supplement (PDF)

Hespera Guided

Invest with our help

Our guided experience uses goals, risk comfort, and the Hespera AI Advisor stack to recommend ETF plan mixes — so diversification stays simple and affordable.

Quick onboarding questionnaire
Recommendations mapped to live ETF plan catalog
Advisory disclosure applies to guided recommendations

An option for both new and experienced investors who want help choosing sleeves.

Get started

Investment Advisory Disclosure (PDF)

Managed by Hespera

Roth Retirement — Hespera Guided

Roth pathway with guided ETF mixes

Grow retirement savings with after-tax contributions while Hespera Guided helps keep your ETF mix aligned to your timeline and risk comfort.

Guided recommendations inside a Roth-oriented wrapper
Transparent underlying ETF plan minimums
Review retirement + advisory disclosures

An option for someone who wants Roth flexibility with less DIY portfolio maintenance.

Get started

Investment Advisory Disclosure (PDF) Retirement Account Supplement (PDF)

Managed by Hespera

Traditional Retirement — Hespera Guided

Tax-deferred retirement with guided help

Save for retirement with tax-deferred framing while Guided recommendations handle sleeve selection across Hespera ETF categories.

Guided ETF allocation
Retirement-oriented account pathway
Clear fee language on underlying plans

An option for someone seeking tax-deferred growth who wants guided investing.

Get started

Investment Advisory Disclosure (PDF) Retirement Account Supplement (PDF)

Managed by Hespera

Rollover Retirement — Hespera Guided

Guided option for former workplace savings

We help you choose and maintain ETF allocations using your goals and risk tolerance after consolidating a former workplace balance.

Digitally guided experience
Rollover + guided disclosures apply
Stay diversified without constant rebalancing chores

An option for someone leaving a job who wants guided help for an old workplace plan.

Get started

Investment Advisory Disclosure (PDF) Retirement Account Supplement (PDF)

Managed by Hespera

Hespera Managed Portfolios

Customized, professionally overseen ETF portfolios

Choose from curated strategies, customize preferences, and let Hespera’s managed process keep portfolios aligned — with attention to diversification and tax-aware habits where available.

Multiple strategy styles (index-tilt, thematic, balanced)
Ongoing oversight vs. one-time DIY picks
Advisory fees disclosed before you enroll

An option for harnessing equity and multi-asset growth potential with professional oversight.

Get started

Investment Advisory Disclosure (PDF)

Managed by Hespera

Roth Retirement — Managed Portfolios

Professionally managed portfolios with Roth framing

Roth-oriented retirement savings paired with Hespera Managed Portfolios so stock and multi-asset sleeves are selected and maintained for you.

Managed strategy enrollment
Roth retirement pathway
Advisory fee schedule provided at enrollment

An option for someone who wants Roth flexibility and a professionally managed stock/ETF portfolio.

Get started

Investment Advisory Disclosure (PDF) Retirement Account Supplement (PDF)

Managed by Hespera

Traditional Retirement — Managed Portfolios

Professionally managed portfolios for tax-deferred retirement

Tax-deferred retirement framing with managed ETF/stock portfolio construction and ongoing adjustments.

Managed enrollment minimums apply
Strategy choices disclosed up front
Retirement + advisory PDFs required reading

An option for someone seeking tax-deferred growth with a professionally managed portfolio.

Get started

Investment Advisory Disclosure (PDF) Retirement Account Supplement (PDF)

Managed by Hespera

Rollover Retirement — Managed Portfolios

Professionally managed option for workplace savings

After consolidating a former workplace plan, our managed process selects sleeves and keeps you informed as markets and your goals evolve.

Human + systematic oversight
Rollover pathway + managed fees
Progress updates in your dashboard

An option for someone changing jobs who wants an advisor-style process for an old 401(k)-style balance.

Get started

Investment Advisory Disclosure (PDF) Retirement Account Supplement (PDF)

Managed by Hespera

Hespera Wealth Management

A dedicated relationship to help you meet your goals

Work with Client Care and specialist partners to build a personalized wealth plan covering retirement, estate themes, tax awareness, and health-care cost planning — then implement through Hespera ETF portfolios.

Comprehensive planning conversations
Personalized investment implementation
Fees and minimums vary by engagement*

An option for clients who want a relationship-driven plan around growing and protecting wealth.

Talk on WhatsApp · Undergoing maintenance

Email support@hesperastocks.org

Investment Advisory Disclosure (PDF) Customer Relationship Summary (PDF)

Managed by Hespera

Personalized Investment Management

Pursue your wealth’s potential on your terms

Professionally managed, multi-asset portfolios configured around your risk comfort, goals, and preferences — implemented primarily through Hespera ETF building blocks.

Higher minimums for full customization
Advisory fee ranges disclosed before enrollment
Ongoing suitability conversations

An option for clients looking for ways to grow and protect wealth with deeper customization.

Learn more

Investment Advisory Disclosure (PDF)

Managed by Hespera

Hespera Separately Managed Sleeves

Targeted stock and bond sleeves

Personalized single-asset-class sleeves that seek specific objectives — such as dividend income or higher-quality bond exposure — to complement a core ETF portfolio.

Minimums vary by sleeve strategy
Advisory fees vary by strategy
Intended as a complement, not a replacement, for broad ETFs

An option for investors looking to complement a diversified core.

Learn more

Investment Advisory Disclosure (PDF)

Managed by Hespera

Life Insurance Planning Pathway

Protection conversations alongside your portfolio

Hespera helps you clarify how life insurance fits next to ETF investing. We do not underwrite policies in-platform; Client Care can introduce education and, where appropriate, licensed partners.

Educational first — no pressure to buy in-app
Coordinate coverage needs with investment goals
WhatsApp / Client Care guided next steps

An option for households that want protection planning to sit beside diversified investing.

Chat on WhatsApp · Undergoing maintenance

Email support@hesperastocks.org

Customer Relationship Summary (PDF) Privacy Notice (PDF)

Managed by Hespera

Annuity Planning Pathway

Lifetime-oriented planning education

Explore whether annuity-style income solutions belong in your long-term plan. Hespera provides education and referrals; product issuance is through appropriately licensed channels when you choose to proceed.

Education on income vs. growth tradeoffs
Not an in-app annuity purchase button
Coordinate with retirement ETF sleeves

An option for someone evaluating lifetime income strategies alongside market diversification.

Chat on WhatsApp · Undergoing maintenance

Email support@hesperastocks.org

Customer Relationship Summary (PDF) Retirement Account Supplement (PDF)

Self-service

Attainable Savings Pathway (ABLE-style)

Save money, keep benefits in mind

An ABLE-style educational pathway for individuals with disabilities and their families to save for disability expenses while remaining mindful of benefit program rules. Availability depends on jurisdiction.

Contribution limits may apply by law
No Hespera pathway fee
Withdrawals for qualified disability expenses may receive favorable tax treatment where rules allow

An option for someone saving for qualified disability expenses while protecting benefit eligibility.

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Education & Custodial Supplement (PDF) Privacy Notice (PDF)

Self-service

Hespera Rewards Card Pathway

Everyday spending that can feed your goals

An optional rewards card pathway for eligible Hespera clients. Cash-back style rewards may be directed toward eligible Hespera balances where the card partner program allows.

Issued by a bank partner when available in your region
Rewards program terms are partner-controlled
Designed to complement — not replace — disciplined ETF investing

An option to help manage expenses, earn rewards, and do more with everyday spending.

Learn more · Undergoing maintenance

Email support@hesperastocks.org

Privacy Notice (PDF) Customer Relationship Summary (PDF)

Self-service

Investment-Only Plans for Small Business

Add Hespera ETF options to existing plans

For businesses that already sponsor a retirement plan and want Hespera ETF building blocks available inside that framework.

Works alongside existing plan administrators
No Hespera investment-only opening fee
KYB and plan-document checks required

An option for any small business with an existing retirement plan.

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Hespera Account Customer Agreement (PDF) Retirement Account Supplement (PDF)

Managed by Hespera

Hespera Advantage Workplace Plan

An approachable 401(k)-style start for first-time providers

For small businesses offering a workplace retirement plan for the first time — a simplified, lower-complexity pathway with ETF investment menus.

Activation and admin fees disclosed before launch
Tax-credit eligibility may apply under local law — confirm with your advisor
Employee education materials available

An option for employers offering a workplace plan for the first time.

Get started

Retirement Account Supplement (PDF) Investment Advisory Disclosure (PDF)

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Account disclosures (PDFs)

Lengthy legal text lives in downloadable PDFs — keep a copy for your records. Short summaries stay on this page.

Hespera Account Customer Agreement

Master terms for opening and using Hespera investment accounts.

Download PDF

Privacy Notice

How we collect, use, share, and protect personal information.

Download PDF

Customer Relationship Summary

Plain-language overview of brokerage vs. advisory relationships.

Download PDF

Investment Advisory Disclosure

Details on guided and professionally managed portfolio services.

Download PDF

Cryptocurrency Risk Disclosure

Material risks of digital-asset and crypto-linked ETF exposure.

Download PDF

Retirement Account Supplement

Additional terms for retirement-oriented account pathways.

Download PDF

Education & Custodial Supplement

Terms for education savings and accounts opened for minors.

Download PDF

¹ Tax treatment depends on your jurisdiction and account eligibility. This is not tax advice.
² HSA eligibility depends on your health coverage and local rules.
³ Education savings tax treatment varies by program and country.
⁴ Child must have qualifying earned income; adult custodian required.
* Wealth management fees and minimums vary by engagement and are disclosed before you enroll.
Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. ETF plans have stated minimums; see each plan for details.