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A Roth and a SEP seem to be the way to go.

Gary, I went the route of the SEP-IRA through my business (I am the only employee - Sub S Corporation). This enabled the company to pay the maximum percentage of my gross pay into the SEP which is allowed. In addition, I plan to open a ROTH next year. I have two other brokerage accounts at the moment, in addition to the SEP, one an Assets Account and one an Online Acct. I will probably open the Roth through MSDW Online.

Best of luck,

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