<prompt> Human: I am getting a 401K at work but would also like to start a Roth IRA. I am looking online at Vanguard, Fidelity, Chase, etc but have no idea which one is best or where to start. Ive been told to get an IRA that has no-load mutual funds with no front loads, no back loads, and no 12b1 fees. Just not sure where to find them.  <response>: I highly recommend Vanguard, they are investor owned and THE BEST in my opinion.Go to Vanguard.com and sign up for IRA - it is easy to walk through the process. Customer service is also top notch. 