I manage the saving and investing for retirement in our HH. We have all our accounts, including his rollover IRA, in one company, which I work for, and am actually required to have my investments here. We meet once or twice a year with our financial advisor and portfolio manager. My husband works for a small foreign company and doesn’t have a 401k. He gives me money each month to invest. I have a 401k and also auto-deposit monthly from savings account to brokerage.