Hi all,I am the OP here. First, Phil, thanks for pointing me to IRS publication 590.We're now at the end of the year, and my suspicion was correct. Our income for 2011 does not allow us to make *any* contribution to the Roth IRA. As noted above, we have already contributed $5,000 each for myself and my wife to the Roth IRA, and we need to fix this. From publication 590, it looks like we are still eligible to contribute to the traditional IRA (though we can't deduct the amount on form 1040). If so, I think we would like to move the amount contributed from the Roth to the traditional IRA, instead of taking it back in the form of cash. We already have traditional IRA accounts with the same brokerage firm, so hopefully, this will be a simple transfer. My questions are:1. Can we move the amounts from the Roth to the traditional IRA in kind (i.e., just move the stock that was purchased instead of liquidating it)? This is a question for the brokerage firm, but I thought of asking in case anyone has experience doing this.2. The stock we purchased in the Roth IRA accounts with the $5,000 has gone down in price. Are we required to move $5,000 worth of stock or just the number of shares purchased with the $5,000 to the traditional IRA? If you know of any other issues we may face but are missing at this point, we'd appreciate knowing those as well. Thank you in advance.rochish
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