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<< Do I really have 3 different accounts and could I put $2000 into each one every year? >>

It certainly looks like you have three. One, three, or a gabillion, you're limited to a total annual contribution of $2,000.

<< I would really prefer to roll all this mess into a Vanguard index fund, is this possible? >>

Easily, BUT watch out for penalties on those CD's. Depending on their term and terms, you may want to wait and transfer the funds at maturity. Check it out before you act.

Your prospective custodian can provide all the paperwork you need for the transfer.

TMF ExRO
Phil Marti
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