Greetings, Shawny, and welcome. You asked:Hello All!<< I was thinking of rolling my SEP into a Roth, but Putnam said once I did this, since it was a conversion account, I could not add anymore $$ to it, that in order to add $$ to a Roth, I would have to open up yet another one strictly for investing. Would it be better to just take my SEP money out of Putnam, take the hit to liquidating the SEP, and invest it in a Roth that I then could actually put money into?>>Putnam is way behind the times. There is absolutely no legal reason that conversion money and annual contribution money must be kept in separate Roth IRA accounts. If Putnam doesn't want to budge on this issue, then you should look to move your account elsewhere to a custodian that's more accommodating, <<I've read here that some people do actual trading and exchanging of stocks, using Fool 4, etc. in the Roth's, how is that possible, where did they go to set them up?>>You may set up a self-directed Roth IRA with any broker. Just select one of your choice and tell that agency you wish to do so. They'll help you with the transfer of money from your SEP to get it established. Once the money is in the account, you may trade in individual securities like stocks and bonds to your heart's content.Regards…..Pixy
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