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I recently had my taxes done at H and R Block, and they told me that there was this great new tax credit I could take advantage of if my retirement savings for the year added up to $2000, if I remember rightly that that's what the amount was. (I had already put about 1000 in my company 401k in 2002)

Indeed they proposed this plan for putting just the right amount into one of their IRA's immediately, payable out of my tax refund.

Perhaps I could have found a better IRA if I shopped around, or even if I had put the right amount of money in my 401k, but this idea of getting everything done in one step seemed efficient, and I like to do things and have them be finished.

Now I find that this IRA may not be the best one to have, (worst thing in the fees department: $35 a year for years when you don't add more) and I am wondering what my options are in terms of transfering it to something else. Does it make sense to transfer it to my 401k plan? (The Block IRA is a Roth, my 401k isn't) Are there decenter deals out there and where should I look?
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