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I spoke with Waterhouse about opening a Roth IRA. I wanted a contributory Roth for my $2000 per year that I could also roll my IRA from my old 401K into.

They make it seem like there is no such animal. Is this right? Do I have to have two accounts and pay double commisions to trade my Roth money?

Also, will I be taxed when I buy and sell securities inside of a Roth IRA?

If so, I'd want to wait 366 days to balance my portfolio , correct?

O.k. that was three questions.
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