If you want to open a retirement account (e.g., 401k, 403b, Traditional IRA, Roth IRA), click "Create Your Retirement Account." A new tab will open where you can create your IBKR account. Note: be sure to specify (from their pull-down menu) whether you are creating a rollover account, or a Traditional IRA, or Roth IRA account.

If you want to open an individual account (i.e., one that you can withdraw from before retirement age and without penalty), then click "Create Your Individual Account." Once you create your individual account, you will be prompted to fund it via ACH, bank wire, etc.