I have an account in fidelity. It's a benefit for those with annual salary <100k. so the earlier you invest, the better. capital gains will not be taxed at the time of withdrawal.

有MINIMUM INITIAL吗？　该买什么ＦＵＮＤ呀，　这是最头痛的
我看看去

还有，　ＣＯＵＰＬＥ可以开ＪＯＩＮＴ的ＲＯＴＨ　ＩＲＡ吗？

there is no joint  IRA
IRA stands for individual retirement accounts

Traditional IRA you need to contribute Deductible income,
which means, those contribution you havent paid tax on them.
when you have distribution from Traditional IRA, you pay tax.

ROTH IRA you contribute After-tax money, it keep growing,
and you can withdraw it after 59 1/2 Tax free and penalty free,
also you can use the money to buy your first house (10,000 limit),
as long as you put money in for more than 5 years.

ROTH IRA is a great investment vehicle and only low income ppl
qualify. you can contribute up to 4000 each year, after 2008
it raises to 5000 each year.

as for who to go, although i m not supposed to Advertise anything,
but i m with METLIFE, and we offer this kind of service.

send me message if there is anything else i can do, i m from houston,TX

since i was asked about this question...
the fee doesnt vary between different financial advisers,
instead, that fee is decided by the IRA fund company,
so if you are interested in one fund,
you are gonna get charged the same rate no matter who you go to.

这个其实要依据你选择的mutual funds是不是有load来决定。比如american funds家大多数（如果不是所有的话）都有5.75%的front load，这意味着如果你今年投满roth ira的5000刀买他们家的funds的话，其实只买了5000×（1-5.75%）的基金，而这个load就给了financial adviser了，也就是卖给你funds的人。这个load不同于expense ratio, 因为expense ratio大部分是给的funds本身，包括funds manager交易的费用，他们的收入等等，有的时候可能还有12b1就是广告费之类的花销。

其实对于大部分人来说，我们应该买的是no load，low expense ratio的index funds。

如果要全弄清楚可以去morningstar.com上面的classroom好好读读，毕竟常说的是your money you decision。