re: Questions regarding IRAs

You won't have to transfer anything, you just won't be able to add to the balance


If you are making near the Roth limit now, it starts to make less sense to not take advantage of the pretax contributions. That's JMO, but you can argue both ways. It will depend on what tax bracket/rate your distributions will see down the road.


For online brokers, I recommend fidelity but honestly haven't researched many other options. I just know they have some great funds and fee structures.