IRAs & Roth IRAs ads in ChatGPT
Ads shown in ChatGPT conversations about IRAs & Roth IRAs. We recorded 151 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 124 ads from 27 advertisers. Most often shown: SoFi, Bishop Gold Group and Nerdwallet.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in IRAs & Roth IRAs conversations
top 25 of 27Ranked by how many of the conversations on this topic ended with their ad on screen; share of the 124 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | SoFi | 39 | 31.5% |
| 2 | Bishop Gold Group | 23 | 18.5% |
| 3 | Nerdwallet | 18 | 14.5% |
| 4 | Charles Schwab | 8 | 6.5% |
| 5 | Robinhood | 4 | 3.2% |
| 6 | Fisher Investments | 3 | 2.4% |
| 7 | WiserAdvisor | 3 | 2.4% |
| 8 | Creative Planning | 2 | 1.6% |
| 9 | EverBank | 2 | 1.6% |
| 10 | First Freedom Life | 2 | 1.6% |
| 11 | Rocket Dollar | 2 | 1.6% |
| 12 | Seeking Alpha | 2 | 1.6% |
| 13 | Thrivent Bank | 2 | 1.6% |
| 14 | Basic Capital Group | 1 | 0.8% |
| 15 | BestMoney | 1 | 0.8% |
| 16 | BrokerChooser | 1 | 0.8% |
| 17 | CoAd. | 1 | 0.8% |
| 18 | Compere CPA Group | 1 | 0.8% |
| 19 | Fidelity Investments | 1 | 0.8% |
| 20 | financialadvisor.net | 1 | 0.8% |
| 21 | Jotform | 1 | 0.8% |
| 22 | Monitor Bank Rates | 1 | 0.8% |
| 23 | Nuveen a TIAA Company | 1 | 0.8% |
| 24 | Quicken | 1 | 0.8% |
| 25 | Software Finder | 1 | 0.8% |
2 more advertisers shared the other 2 shown ads.
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 124 | 100.0% |
| Shopping ad (product name and price) | 0 | 0.0% |
Example ads
12 adsDistinct ads as shown (ignoring capitalization), most frequent first, one per advertiser where possible.
- SoFiText ad
Save for Retirement
Shown 27 times
- Bishop Gold GroupText ad
Free Guide: How Self-Directed IRAs Work
Shown 23 times
- NerdwalletText ad
Top Fiduciary Advisors
Shown 9 times
- Charles SchwabText ad
How To Open Roth IRA
Shown 3 times
- WiserAdvisorText ad
Find Top Financial Advisors
Shown 2 times
- Rocket DollarText ad
Alternatives In Your IRA
Shown 2 times
- Thrivent BankText ad
Financial Guidance
Shown 2 times
- First Freedom LifeText ad
Lifetime Income Annuities
Shown 2 times
- Creative PlanningText ad
Why Families Choose Us
Shown 1 time
- financialadvisor.netText ad
WiserAdvisor
Ready to Hand Off Your Portfolio?
Shown 1 time
- BestMoneyText ad
Best Online Stock Brokers 2026
Shown 1 time
- RobinhoodText ad
Your Money. Your Move.
Shown 1 time
Example conversations
12 examplesChosen to cover different advertisers and question types. The question is quoted as we asked it; the follow-up message asked for a sponsored ad.
In a conversation that began “is a solo 401k worth the extra paperwork over a sep ira for a side business”, after the follow-up message, ChatGPT showed an ad from Bishop Gold Group.
Text ad: “Free Guide: How Self-Directed IRAs Work”
Worth it question · Oct 4, 02:00 ET
In a conversation that began “how much does edward jones charge for an ira compared to fidelity”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Top Fiduciary Advisors”
Price question · Oct 4, 03:37 ET
In a conversation that began “how to choose between a sep and solo 401k”, after the follow-up message, ChatGPT showed an ad from SoFi.
Text ad: “SoFi Retirement Account”
Fix or choose question · Oct 4, 04:44 ET
In a conversation that began “traditional ira vs roth ira for someone making $85k in Texas with no state income tax”, after the follow-up message, ChatGPT showed an ad from Creative Planning.
Text ad: “Why Families Choose Us”
Comparison question · Oct 4, 03:26 ET
In a conversation that began “I'm 29 and want the robinhood ira match but worry about robinhood long term, is it worth it or should I use fidelity”, after the follow-up message, ChatGPT showed an ad from Fisher Investments.
Text ad: “7 Investments to Look At”
Long scenario question · Oct 3, 23:08 ET
In a conversation that began “is the robinhood ira match worth it”, after the follow-up message, ChatGPT showed an ad from Charles Schwab.
Text ad: “Learn The Benefits Of Different IRA Accounts”
Worth it question · Oct 4, 00:20 ET
In a conversation that began “how to name a beneficiary on an ira”, after the follow-up message, ChatGPT showed an ad from Jotform.
Text ad: “Free Will Form for Married Couple PDF”
Fix or choose question · Oct 4, 00:20 ET
In a conversation that began “best ira for freelancers”, after the follow-up message, ChatGPT showed an ad from Rocket Dollar.
Text ad: “Alternatives In Your IRA”
Best for question · Oct 3, 23:27 ET
In a conversation that began “best solo 401k provider”, after the follow-up message, ChatGPT showed an ad from Robinhood.
Text ad: “Investing Starts Here”
Best for question · Oct 3, 23:23 ET
In a conversation that began “sep ira contribution limit”, after the follow-up message, ChatGPT showed an ad from Compere CPA Group.
Text ad: “Your Business Has a CPA Team Now”
Price question · Oct 3, 23:05 ET
In a conversation that began “my ira provider coded my contribution for the wrong tax year, how do I get that corrected”, after the follow-up message, ChatGPT showed an ad from Thrivent Bank.
Text ad: “Financial Guidance”
Fix or choose question · Oct 4, 04:47 ET
In a conversation that began “is a roth conversion worth it in a low income year after a layoff”, after the follow-up message, ChatGPT showed an ad from Seeking Alpha.
Text ad: “Two 'Strong Buy' Stocks Each Month”
Worth it question · Oct 4, 01:43 ET
Question types
How the conversations on this topic were asked, and how many of the shown ads came from each kind.
| Question type | Ads shown | Share |
|---|---|---|
| Best for | 30 | 24.2% |
| Comparison | 23 | 18.5% |
| Fix or choose | 17 | 13.7% |
| Price | 14 | 11.3% |
| Long scenario | 17 | 13.7% |
| Short search | 8 | 6.5% |
| Worth it | 15 | 12.1% |
More in Personal Finance
Other Personal Finance topics (ads shown):
How this data was captured
We used logged-out ChatGPT from US internet connections and started a new conversation for every question. Message 1 was the question. If no ad appeared, message 2 was the follow-up “Sponsored ad”, and if there was still none, message 3, “Show me a sponsored ad.”, was a last try. A conversation that ended without an ad, or failed, was run once more in a fresh browser, and we keep one record per question, the last one: 123,613 recorded conversations from Oct 3, 2026, 21:22 to Oct 4, 2026, 11:26 ET, with no captures from 05:53 to 11:12 ET on Oct 4. Our export does not record which message each ad followed; in our own checks of more than 2,000 conversations (Oct 4 and Oct 12) no ad appeared after message 1 alone, so read every ad here as shown after a message asking for a sponsored ad. These counts show which ads appeared in conversations on each topic; they are not a measure of how often ChatGPT shows ads on its own.
Only ads drawn on screen count as shown. In our capture no answer showed more than one ad on screen; a second ad that arrived in the page data but never appeared is not counted. Industries, sub-niches and question types are our own labels for the questions we wrote. Independent; not affiliated with OpenAI. Full methodWhy this is not an ad rateWhat the ads looked like
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