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Hi, hvyevy2.

Say, wait a minute. I think I see what you are saying. Set up another IRA with a different
(read discount) broker and then pay as I withdraw. But isn't that the same as just leaving it in the
(b)? Your opinion, please.

No, it's not. In the IRA with the DB you have many options available to you that are not available in the (b). As I said before, in the (b) you can only invest in funds, by law. You are also in control and do not have to pay some wiseman's big sales commission. You may also roll your other IRA with the wiseman's firm into this new IRA with the DB, and should, in my view, it there is no heavy rear-end loading.

All of my tax-deferred funds will be in one "self-directed" IRA at Waterhouse very shortly after I make the big switch and get the "RETIRED AND LOVIN IT" bumper sticker.

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