CABob wrote:Another vote for rolling it over rather than taking the money out. Even if you can't open the IRA where you would prefer to have it you could put it into a money market or CD at a bank or credit union until you can move it to a more desireable institution and investment.
I don't see why you'd throw away a third of the money for "simplicity" while simultaneously paying 22% tax on your Roth IRA contributions. Taking money out of an IRA while simultaneously putting money into an IRA and getting taxed in both directions doesn't sound like simplicity to me. Put another $2,250 into her TIRA -- this is equivalent to $1,750 in your post-tax Roth IRA. Then she'll have the minimum for most Vanguard funds, and so will you.PS241 wrote: a fee of $75 plus tax to maintain simplicity?
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