Not only can you have a Roth IRA, a traditional contributory, and a rollover, you can have multiple accounts of each type with different trustees. You might have an IRA with a full service broker for bonds (watch out for annual fees!), a discount broker for stock trading, and several mutual fund companies. When you have been contributing for several years and the balance has built up, you don't have to have all your money with one firm....but of course as you multiply accounts, the paperwork and possibly fees build up also. You are only limited as to total annual contribution. Best wishes, Chris
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