<prompt> Human: I started my Roth IRA and contributed 5,500 a few months ago for 2014. I also made a 100 contribution for 2015. I then regretted the funds I chose was recommended by my financial adviser, who I have now replaced with this subreddit along with other finance blogs.I understand that I can move the IRA to Vanguard for free, however my current IRA has a 1 charge if I move it within the first year. So I plan to wait until next year to move it.However, I would like to start contributing more for 2015 right now. Can I start a second Roth IRA at Vanguard as long as I dont contribute more than 5,400 to it this year? Would the process of moving my current IRA to Vanguard be more difficult if it was combined into an existing IRA at Vanguard?  <response>: Can I start a second Roth IRA at Vanguard as long as I dont contribute more than 5,400 to it this year?Yep.Would the process of moving my current IRA to Vanguard be more difficult if it was combined into an existing IRA at Vanguard?Nope. I recently moved my old IRA and taxable account to Vanguard where my newer accounts are. I did the whole thing through their online interface. In one case, I transferred into a brand new account. In another case, I transferred into an existing account. The process was easy in both cases. 