My partner and I are unmarried and will be remaining that way. We want to finally start an investment portfolio and taking advantage of things like IRAs etc. I will be managing the portfolio(s) for both of us.
My question is, should we open a single joint, brokerage account, etc., or should we open separate accounts wherever and manage them independently? She has considerably more existing deductions than I do (mortgage interest primarily), but I'm not sure how that would impact a joint account. I know that when we file our separate taxes, I can't take advantage of any of her deductions.
I'm also wondering if it makes sense to open multiple IRAs for each of us. We plan to max our contributions since it's so relatively little each year, and since we are our own employer we can also make matching contributions from the company. Multiple accounts won't allow us to contribute more, I understand that. But we're interested in having a portion of our portfolio managed by services such as Betterment, Acorns, Wealthfront, etc. and then some fully self-managed. Not sure if everything should be strictly in IRAs, or some in IRAs and some in standard accounts, then the joint vs. separate accounts question...
Several questions in here I guess but I'm just a bit lost in trying to come up with the best overall approach. Input is appreciated!