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Greetings TMadigan, and welcome. You asked:

<<I have maxed out my 401k contributions and, since the credit cards are all paid off, have been building a cushion in a passbook savings account (at a princely 1.25% interest). What I'd like to do is to open Roth IRAs for myself and my wife, so the money is still available for an emergency. I've found a lot of good information, but the one thing that seems simplest I haven't seen. Where should I go to open these accounts? >>

Any fund or broker of your choice will help you do that. It's really a matter of where you wish to invest. For details on opening an IRA, see the article in our IRA area at this link:

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