<<3) The stock would be transferred from a account in my name only, could I make a $4,000 joint contribution for my wife and I? >>The stock cannot be transferred nor may you make a "joint" contriution to an IRA. The "I" stands for "Individual," so to contribute $4K you must both open and contribute $2K each to you own IRA.And at least have a total earned income of $4000. And be below the income limitations...IF
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