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I thought TD Waterhouse had $500 minimums but I may be wrong. I'm looking into it further

TD Waterhouse has no minimums for IRA accounts. They also have no fees on their IRAs. The expense ratio on the S&P 500 fund is 0.35%...but this is partially due to fee waivers of 0.89% that expire 8/31/2003. I expect they'll extend the fee waiver, but there are no guarantees. Regardless, they are a better option for you than Vanguard due to the account minimums and the maintenance fees you have with Vanguard.

I don't know much about TIAA-CREF...

Hope that helps. Good luck and Fool On!

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