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Greetings, Flitt, and welcome. You asked:

I'm considering a Roth-IRA this year. I would like a self directed plan which will allow me to roll a 401K in the future with the lowest lifetime transaction costs.

I'd like to try the dow dividend approach as to limit commissions from trades.

If you're going to use a Roth IRA to do your own trading and if you want to minimize your costs, then you want to establish a self-directed Roth IRA with a discount broker of your choice. Also, be aware that a 401k cannot be transferred directly to a Roth IRA. It must first go to a traditional IRA, but once there it can be transferred immediately to a Roth. For info on how to find a discounter, check out this link:

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