<prompt> Human: So, I know most of you open a joint account and that part I understand. But how about taxable brokerage account? For example, I have my checking, savings, IRA and Taxable brokerage with Schwab. If I were to make that into a joint account my IRA needs to move right? Cuz you cant open a separate IRA in the same account for your wife, you have to open a new one. Having everything together certainly helps, but I just dont know how to do it right. Maybe if you guys share your experiences I can get some idea. Aslo other thing is I was planning on getting into real estate investing and I dont know if you do that jointly as well and use the same account? I know Im throwing a lot of questions here, sorry about that. Since Ill be the one wholl manage all the fiances, I just want to know how to do it right.  <response>: You cant merge an IRA. Its an INDIVIDUAL retirement account. 