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Subject:  Re: Multiple 401(k)s & 403(b) Date:  10/6/1999  8:57 AM
Author:  TMFPixy Number:  14270 of 88021

Greetings, Beth, and welcome. You asked:

<<I'm new to Fooldom, and would like to get my husband and my IRA's out from our old employers into something I manage (through e*trade). I have one old 403(b) and two old 401(k) accounts and Neal, my hubby, has one old 403(b) acct.

Can I consolidate any of these together, or does each account need to be rolled over into it's own separate IRA? >>

Yes, you may consolidate your one 403b and two 401k accounts into a single IRA for you. Your husband's 403b account must go into an IRA for him. Your respective retirement plans cannot be merged into a single IRA for the two of you because the "I" in IRA stands for Individual. There is no provision in the law for joint ownership of an IRA.

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