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I did briefly skim the post you linked to, I'll go back & create a list of fees to look out for.

Speaking of freedom to have as many IRAs as I would like - is the $4000 maximum for each IRA or for total contributions? For instance, if I opened a Roth IRA with my CU & a Roth IRA with Fidelity, do I get to put $4000/year in each or do I have to split my $4000 contribution between them? I thought I saw on one site that it was my total yearly contribution not per each but I wanted to double check.

Thanks again!
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