<prompt> Human: Hey all,Maybe I am confusing what Vangaurd is... I have a family friend with Merrill Lynch who will help me open a Roth IRA there. However, after reading around here, it seems like Vangaurd is the top choice for a roth? Am I confusing carriers? Any opinion on Merrill Lynch?  <response>: Vanguard, Fidelity, and Schwab are the most often-recommended IRA providers because they are typically the ones that charge the least amount of fees. What kind of fees are you being charged for your Merrill Lynch Roth IRA if you dont know, you need to find out or call and ask? 