回复：Tax rate should be higher when retire.Have a traditional

It's likely that you already have regular 401K, which is before tax. In this case, having a Roth would diversify your tax treatment for retirement. That is, 401K is before tax, so you get deduction now and pay tax at distribution. Roth IRA is after tax, so you pay tax now, but tax-free at distribution.

Find a company that has local branch, they would do it within a day. In DC, there is an E-trade office, many Charles Schwarb, maybe some TDWaterhouse. A bank could be another choice, though you will have to pay a fee about 60-100 to transfer to another place.

Hope this helps.