<prompt> Human: I have accounts at AIG Valic and Edward Jones. After reviewing the expense ratios fees for both, I am near furious. I am considering moving AIG Valic to Vanguard first. I have not contributed to AIG Valic for some time. I have two accounts - one in my name, and one in my wifes name. Will I need to create two logins at Vanguard? I understand that I will have two IRAs, but can they both be under the same login?At Edward Jones, not only are all my accounts 0.50 expense ratio, but they have a 5 sales charge. I am livid. Their excuse is these are Actively managed accounts which have underperformed in all ranges except YTD.  <response>: You will need two VG accounts but can make it so that you have full control of her account within your account - I cant remember the terminology but youll see the option with just a bit of digging. 