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[[ Are there any implications regarding the transfer of an IRA CD (in a bank) into a
discount brokerage retirement stock account?]]

Nope. None, Brett. If you do it correctly, it is nothing more than a transfer, and is not a taxable event.

[[ I have a CD that was set up in my name back in 1991 (contribution counting
toward tax year 1990) that I'd like to get into stocks..]]

I can't say that I blame you. You are most likely getting 3.5% on your CD when an S&P index fund would get you (and would have gotten you in the past) a MUCH higher return.

[[ I guess what I'm wondering is, do I have to withdraw the CD and face tax and
early withdrawl issues, or is it possible to transfer the CD holdings into another
Retirement Acct and not have to deal with those issues?]]

You'll want to make a transfer. If you do it right, the cash from your CD will flow directly to your new broker. You'll not see it, nor have a chance to screw it up. The new broker will receive it, and you'll be good to go...making any investments that the new broker will offer you. No taxable transaction.

[[ If I can, must I do so
within X days of the date of maturity, which seems to be the only time I'd be
able to withdraw the CD?]]

Now THAT you'll have to deal with the bank. The bank may have some type of 'early withdrawal' penalty. But that is a BANK imposed penalty...not a federal tax penalty. So it is VERY POSSIBLE that you'll want to time your transfer so as not to get clipped with the BANK penalty.

I'm sure that if you take your current CD passbook to your new broker, they will be able to help you out. That would be my suggestion.

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