IRA QUESTIONS
1. i have a roth at NWM, and i want to move it over to TDA. I want to do this because (1) i have a TDA brokerage account and i'd like to consolidate at one place; and (2) NWM charges an annual $50 roth maintenance fee and i don't think TDA does (?). is this conversion a PITA?
2. how do income limits work, and if i'm approaching the household magi income limit, should i just transition the entire thing to traditional or is there a hybrid scheme (i.e. contribute phaseout max to roth, and some additional amount to traditional) that makes sense? if a hybrid scheme works, is managing that a PITA? i'd like to just set it and forget it as much as possible.