<prompt> Human: I am a 26 year old who began a new job with 45k salary. I have no debt and about 25k in the bank sitting. I cant start my 401k with my new company until a year so I want to open a ROTH IRA in the mean time. I met with an advisor at NWM last week discussing my options which led to direction towards a ROTH, life and disability insurance. I really only want to focus on he Roth right now so I can continue saving for a house next year. With that said is it necassary to even go through them? I believe with Vanguard I can open an account myself all online, so I was thinking of that as an alternative. Any advice would be appreciated.  <response>: Go directly to vanguard and skip the fees. 