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I was under the impression that while annual account fees and the like can be paid with non-IRA funds, commissions and loads can't.

Is that wrong?

Nope. It's 100% right. IRA commissions MUST be paid from inside the account. With annual fees it's your option. Naturally, these days only a fool [small F] would keep his/her IRA with a custodian charging such fees, since there are so many fee-free [sounds like a French poodle] brokers.

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