<prompt> Human: From what Ive read, it appears that TD Ameritrade is the best option for a Roth IRA I really only compared TD Ameritrade vs USAA.If I go with TD Ameritrade and open an account starting with 3k, I get 60 days commission free. Do I open a Roth IRA now with less than 3k and pay commission OR wait a month and open one when I can do 3k and be 60 days commission free?  <response>: The three best options for a Roth IRA tend to be Vanguard, Fidelity, and Schwab. 