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It is my understanding from talking with IB representatives that if you have an individual account and a joint account with your spouse, those are considered two accounts, and hence SIPC protection of $500,000 for each account. A separate IRA account should be a separate account for SIPC and...

I've been with IB for close to a year and love it. So I'm not interested in changing brokers. My problem for which I need your advice is a good problem to have. My IB joint account with my spouse is now at the SIPC protection limit of $500,000 in securities. I read on IB's website about the...