Roth checkbook LLC NJ/NY

[Gayatri Martin]

HI, I have read many questions and replies that have been helpful.

I live in NYC and BroadFinancial opened the business in NJ. "open a checking account at the bank of your  choice." Is not true. They want to know what I am using it for, where is my business, I am I the owner etc...

To open in NYC does it depend on the, bank Popular (not fees, not min balance) need a authority for doing business in NYC $260 ( I could have just set the LLC up in NYC.I think the annual fees are still cheaper for NJ $50 year? Cap One ( no fees with $2k bal) sounds like they will open the biz checking with the NJ Certificate of formation but they need a higher min balance to avoid fees.

IRA Financial can set up the checking with CapOne with no fees, wires or maintenance?!

Broad will do it through an online bank United but they charge $15 month for the wire feature and $12 month if bal goes below $1500..

I am just trying to avoid unnecessary fees that will eat away at what I have.

I am thinking to NOT invest any more in my ROTH and just use that $ to buy Gold. What are the advantages as self employed, to start saving in a SD 401k?

I also heard about a Maximum funded tax advantage Insurance Contract on 'Money revealed' by Doug Andrew. LASER? Seems a good option for real Estate or was before covid anyway.
Time is ticking.

Do I need to pay $900 to open the LLC or can I do that in NYC or NJ for less safely?

I am getting tired but also know it is my responsibility to do my due diligence.

Thank you

Gaya