I've got what are probably simple questions but I'm not finding them readily in one place online. I am in my mid-40s and would like to take the money from my SEP and put it in my ROTH, which I've had for about seven years.I realize I pay taxes on the SEP distribution. Is that my current rate (15%) ? Are there additional taxes or penalties involved? Will the rollover funds need to sit for five years before I have access to them without penalty or tax? Thanks.
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