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I am not savvy with these terms so I'm going for help here.
The past three years I've worked for a company that had an employee saving's plan in the form of a 401k. I ended my employment with the company in late July to move to California and get married; now that the move and marriage is done with and we've taken care of all our paperwork, my name change, and setting me up with Navy Federal Credit Union (NFCU) I've got my employee savings plan to transfer over from its current home in Wachovia to an IRA in NFCU.
The lady who set up my acocunt at NFCU gave me two forms: one for a Traditional IRA and one for a Roth IRA, depending on which I was going to do. (Or was it needed to do?) I just called a representative from Wachovia to update my information through them and to ask if it mattered which I did and didn't get an answer, other than to talk to NFCU. (Which isn't open yet.)
So what I want to know is: what's the difference between these two? Am I free to use whichever I'd like or is it dependent on my new institute?