Thank you Pixy and rayvt for your prompt replys. I appreciate your willingness to extend a true Fool's help to a wanna-be.

Both of your replys state that there is no need to open multiple accounts. Surely this doesn't mean that I can co-mingle my existing IRA (66K in 4 Fidelity funds), my wife's IRA (47K in the same 4 Fidelity funds), and our non-IRA portfolio (225K in bond funds, equity funds and cash).

It seems to me that I am going to be required to maintain 3 separate accounts just as I have now.

Where have I gone wrong???

thanks again,
crrroger