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Greetings, dmcgonig, and welcome. You asked:

<<I plan to convert my regular IRA to a Roth IRA. I would also like to rollover a SAR-SEP from a previous employer. Do I have to do the rollover to my current IRA and then convert? Or could I rollover the SAR-SEP later on into the Roth acct ( I assume I would have to pay the taxes in one year - its not a large amount)>>

You may transfer the SAR-SEP directly to a Roth IRA. If you desire to do so after the Roth IRA is opened, you can do that as well. And. Yes, you will have to pay taxes on the SAR-SEP on transfer.

<<Also, I know that an individual can have a regular IRA account and a Roth IRA account, but can I have 2 separate Roth accounts - convert my old account (mutual funds) AND open a separate new Roth account (discount broker) as long as I contribute no more than $2,000 combined? Then could I rollover some or all of my converted Roth to the new Roth broker fund sometime in the future without penalty?>>

Just as with traditional IRAs, you may have as many Roth IRA as you want. The $2K is an annual limit on contributions you make based on your yearly income. Conversion/rollover/transfer money from other Roth IRAs or traditional IRAs is not counted against that limit. If you want two Roth IRA, you may have them. You may also later transfer part or all funds in other traditional/Roth IRAs to a new Roth IRA at a broker of your choice. In short, everything you have outlined is possible.

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