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You may be thinking of custodians. The IRS requires that IRAs be held by custodians, who are the only ones who can actually access (make deposits to or withdrawals from or investment choices in) an IRA. So when you make a decision on buying or selling this or that investment within your IRA, or you are transferring or withdrawing funds, you are really asking the custodian to do this for you.

And I would think Fidelity would be one of the most used IRA custodians, although you don't offer this as an option.

We use Fidelity.

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