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I have 3 converted Roth IRA's with 3 different custodians, I would like to merge these into one self directed Roth IRA with possibly AMEX. My question is this, I have contributed 2K each of the last two yrs total 4K into one of these accounts, by merging these 3 accounts into one, will this in any way effect the way I would be able to withdraw this money when I need to? These IRA's were converted to Roth's two years ago if that makes any difference ( when we were allowed to pay the tax over four installments ) .

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