Best place to open a Roth IRA account? My firm doesn’t offer it

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Mine is with fidelity. Works fine, no complaints.

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Firms don’t offer IRAs. They sometimes offer Roth 401k options.

Vanguard is your best bet

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Tax treatment
- Roth: pay taxes up front, growth and withdrawals are tax free
- Traditional: defer funds pre-tax, grows tax free, withdrawals of principal and growth are taxed

Sponsor and limits
- 401k: administered by a company, $19k / year personal contribution limit, $56k when combined with employer contribution
- IRA: individual plan, limits vary based on income and availability of 401k

Mix and match from section 1 and 2, 4 options total (eg Roth 401k or Trad IRA).

For most people, the right order is:
1. Contribute enough 401k to get the full corporate match (often 6% to get 1.5%)
2. Max out Roth options as long as you’re till in the 25% tax bracket. If Roth 401k available, do that. It not, so Roth IRA
3. Max out Traditional 401k. Can skip step 2 and do this if you’re already in the 33%+ bracket.

Lots of articles. All open for debate.

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I have Vanguard for the IRA

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