Yo, crrroger.<<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???>>You haven't gone wrong. I, at least, didn't stop to think about the IRA vs after-tax need for separate accounts. In your case, you are indeed going to need at least three accounts.Regards.....Pixy
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