Thanks for the advice earlier. DH and I both opened up our first IRAs at Vanguard. I went with one of the global funds whereas DH went with a REIT. I'm a little bummed because Vanguard charges a $10 maintenance fee for accounts < $5k, and it's not like I have a choice. However, good news is that they won't charge me again after I put in another $3k next year.~cg
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