I have two sep Rollover IRA's form two diff job changes
Can I combine into one acct now?
One is with Fidelity and other with Vanguard and I like it all with Vanguard if possible.
If they can NOT be commingled....can I at least move them BOTH to Vanguard as separate but two distinct accts?
Also....can I change them to Roth IRA's as well?
Yes. You always could.
The issue (before the change of law sometime in the past 5-6 years) was commingling a rollover IRA and a contributory IRA.
-- Rich Carreiro snipped-for-privacy@rlcarr.com
OK but is it advisable? is there some compelling reason to keep them separate since they came form different companies and distributions? Neither one is in stocks yet.... just setting in money market funds for time being.
I recently read that one broker did not allow for different IRA accounts to have different beneficiary structures. They automatically changed all accounts to the bene list for the oldest account. Don't recall which broker, but if this is important to you, having the two brokers may be desirable. No other reason I can think of. In general 'simplify' is the way to go.
Earlier, you asked about Roth conversion. See
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