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Greetings, Jack, and welcome. You asked:

<<I currently have two Roth IRAs - a conversion & a contribution. In addition my wife has a conversion account & will soon have a contribution account. Obviously, I would have more buying power & less headaches if some of these could be bundled together (lower trading costs, convenience, etc). My question is: Does the gov't have any plans to allow the conversion/contribution money to all be in one account, or am I stuck with 4 IRAs forever?>>

Since the passage of the IRS Restructuring Act this year, there is no need to keep contributory and conversion Roth IRA separate. Providers are slowly adapting to this situation and are allowing the comingling of those funds. Thus, you and your spouse can merge your Roths into only one Roth IRA for each of you. You will then go from four accounts to two.

<<On another note, I also have what's called a "SEP IRA" through work. If I leave my job, what are the options for taking this with me (i.e. can I roll it into one of the roths, or can it only be treated as a trad. IRA) ?>>

Unlike other retirement plans, a SEP-IRA can be rolled directly into a Roth IRA. When you leave your job, then, that SEP-IRA can be transferred into a traditional or a Roth IRA at your discretion,


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