Here is the plan.

For myself

- Open IRA account with 4k with the broker
- Put them into say FF4 or RP4, depending on what you all suggest.

For my spouse

- Open IRA account with 4k with Vanguard
- Put them into the 500 Index fund

Why won't you put your spouse into the FF4/RP4 too?

One more thing. I have a brokerage account with Ameritrade. They are advertising a No setup fee, No annual fee IRA account. Is that all I need to hear about their IRA account?

You may or may not care if they have an exit fee. If you choose a Cash King portfolio in the future, you may want them to have a free DRiP plan. Since IRA stocks are held in street name, you can't participate in company-sponsored DRiPs.

Zev