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Thanks, I didn't mean that Suze Orman had literally said that taxes were at an all time low; they're the lowest they've been in a long time, I guess.

If I were to take the money that is now going into my 401(k) and put it in investment account, it would just be a standard taxable account. I don't qualify for an IRA. I have a rollover IRA and taxable account with TD Waterhouse. I don't think I pay any monthly fees for the funds I hold in the IRA. (The taxable account just has stocks in it right now.) But I'll certainly check if I decide to go that route.

Our firm's 401(k) was through AXA, but they are in the process of switching it to a different company. Not sure what the offerings or expenses are going to be; I should be finding out the details within the next few weeks.

I'll be turning this stuff over in my mind over the next couple of months .. Thanks for the input!

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