<prompt> Human: My folks set up one for me a decade ago via their financial guy. Now Im trying to establish one for my wife and not sure how to go about it. We have about 3k for it. My question here is less to do with the fund itself and more with how to set it up. Do I have to use a broker or can I set it up myself online? Looking to avoid unnecessary fees.  <response>: Go to and choose Open an Account. Very simple, will take at most 30 minutes. 