<prompt> Human: Im a graduate student looking to open a Roth IRA. Problem is, I dont really know whats the best way to do this. I spoke with my credit union and they said they could so it, but Ive also heard I can do it independently, or through a company like Scottrade, or through Vanguard, ...etc.? Whats the best option? I have 5500 available that I want to contribute this year.  <response>: Go with Vanguard, super easy and good customer service. I started mine at Merrill Lynch and have never looked back since I switched. Love Vanguards philosophy and their target funds. recent NPR article about Vanguards founder 