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I have two separate IRA accounts -- Contributory and Rollover -- set up with a financial planner that have not performed well. Do I really need both accounts? When I left a past job, I took my 401K and established a Rollover IRA account. I now want to set up a discount brokerage account and take control of my investing. Can I combine the funds of both the Contributory and Rollover IRAs?

Also, what kind of recording-keeping needs to be maintained for IRAs? Thanks.

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