I am going to be starting up an IRA through a broker (don't know if I can mention the name of the broker). He really is a good guy, he and I talked about some strategies for over an hourfor free and he didn't complain or anything. I asked him about the fees for an IRA, and he said I have two options...one option would cost $10/year. That would get the IRA manged through a national administrator, and it would be very hard to have our own input opinion on investments with them. the second option is to have him manage the account, it would cost $30/year. But, that way if I want to change something, I can call him and it's done, it's a little more "localized", i guess. Plus, we can talk about it on the phone for no cost...that probably wouldn't happen at the national manager. Should I do the $30/year option or the $10/year one??

Thanx
Joe