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I have a Roth IRA through Vanguard and TD Ameritrade. This is my first year with both, but when I signed up TD Ameritrade the guy said it wasn't a problem to have two, but the $4k cap (or more if you're older) applies to the aggregate of IRAs. So I can put $2k in each for a total of $4k, but not $4k in each.

So, you can have an many IRAs as you want, but the contribution limit is an aggregate of all the accounts.

That's my understanding, anyway...

I'll clarify and say that you can have as many _Roth_ IRAs as you want....I don't know if you can have a Roth IRA and a Traditional IRA and put $2k in each. That's beyond my knowledge.

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