<<I have been putting off moving my IRA to another broker because it will cost me about $50 to do so>>Assuming there is no periodic fee for keeping the IRA where it is, and you intend to hold the fund you have in it... You may ought to just open another IRA at Vanguard since that's your preference. If you leave the prior IRA where it is, it may save you another $50 if in the future you decide a different broker fits your needs better than Vanguard.I think you can do this and still specify 1k towards 2003. Someone correct me if I'm wrong, but the ROTH limit is 3k/year of total contributions to whatever ROTH accounts you contribute to.-Joe
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