[[I recently read the series on rollover and transfers of IRA's. ]]Great...hope it was helpful.[[However I am still seeking an answer to the following. My wife has two 403b accounts that we would like to transfer to our online broker. Can we transfer these two into one IRA?]]Sure...AFTER she has separated from service. If she is still employed, it is likely that she will not be able to get her hands on thse 403b funds. So your question is REALLY with the plan administrator for your 403b plan. But, as I say, I would be very surprised if you can retain your employment and remove the funds without tax and penalty...regardless of what you do with the funds. [[ I have received conflicting answers from my broker and I am in need of a clarification.]]Again, I would need a bit of a clarification before I can really help out. But if she remains employed, your chances of taking the 403b funds without tax and penalty is slim and none (and slim just left town).[[ We also have a deductible IR A, can this be transferred to the new account with the 403b's or will it need to be transferred to a seperate account?]]Sure...you can move the funds. But doing so would "taint" your conduit IRA which contained the 403b funds, and would then prohibit you from transferring those conduit funds to another employer qualified plan in the future.Hope this helps...TMF TaxesRoy
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