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Fidelity Spousal Roth IRA: Complete 2026 Guide to Maximizing Household Retirement Growth
"Opening a retirement account for a non-working or low-earning partner is one of the most effective tax-planning strategies available to married couples. For households looking to leverage Fidelity Investments for this purpose, understanding the mechanisms of a Fidelity Spousal Roth IRA ensures compliance with IRS regulations while maximizing long-term compounding growth. The term "spousal Roth IRA" is a functional description rather than a distinct legal account type; it is a standard Roth IRA opened and owned by a working spouse's legally married, non-working or low-earning partner, funded using the taxable compensation of the working spouse..."
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