hello, my question is, can you have more than one roth IRA as long as your combined contributions do not exceed 3,000.00/ yr? this is for a married filing jointly annual income of 100,000.00/yr. any help woould be gladly accepted. thanks!

If you qualify for a Roth or IRA of $3,000... then you can open 1 or more IRAs and vary your deposits among them. For example, you could split it into $1500 and $1500 or have six IRAs each with $500. The IRS does not care how many IRAs you have, just that you qualify and do not exceed your allowed contribution in each year.

You may incur additional annual fees having multiple accounts and certainly the paperwork burden goes up. If you are in a broadly based mutual fund then you may not need to diversify further until your assets grow significantly.