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My wife and I can't afford ROTH IRA's by April 15, 2000. I am considering rolling $4,000 from an existing IRA into the ROTH. Smart?

If yes, our broker, Morgan Stanley Dean Witter, stated the account fees are:

Year 1: Myself $30 per year
My wife $zero
Year 2 and every year:
Myself $30
My wife $20

In addition, MSDWs trades cost us $100. If i stay with MSDW, i'll most likely go into one of their mutual funds... but ... last week The USA Today had an article showing that the Janus family of mutual funds has almost doubled its nearest competitor (AIM). Would it just be smarter for my wife and I to go directly to Janus to start the ROTHs?

Mike & Mel in Va Beach

Are MSDW's fees comparable to others? In particular, I'm considering moving to Schwaab ... less fees
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