How can an individual start an IRA account? It is not offered by my employer, and I would like to open an IRA account. Is that possible?

Thank you for any help/info you provide!

The "I" in IRA stands for individual. You act to create and fund an IRA, it is not an employer option. Current max funding is $2,000 per year if you have earned income that is at least that level. Roth IRAs are a recent variation of the standard IRA where you can build a retirement nest egg that is tax free.

You must select a custodian such as a bank, mutual fund or stock broker. See some of the earlier links about "just getting started" on this site for additional info on investing choices.

John,

Thanks for the response -- I have just begun thinking about
retirement (late, I know), and I am a "newbie" with regard
to retirement savings options.

Have a lovely day!