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Greetings, Ondes, and welcome. You asked:

<<What I found out is that having commissions and fees billed separately is perfectly legit (and quite foolish), but it's just not a standard feature in the software most brokers use for all their paperwork, and most will try to pretend it can't be done.

Any ideas on a what brokers will bill fees and commissions separately, rather than deducting them from the account?>>

Sure, and the answer is none. Contrary to what you have been erroneously told, trading fees (i.e., commissions) cannot be paid for with money that comes from outside the IRA UNLESS you want to have that payment count as part of that year's annual contribution limit to the IRA. You may pay for the annual administration/maintenance fee separately, but not the trading fees. If your custodian charges such a fee, then most will accept your personal check for that instead of deducting the charge from your account.

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