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I am new to this, so please forgive me if it's been covered before or the answer is obvious....I have what is called a "Single Premium Deferred Annuity" worth a little over $16000. in an IRA through the Principal Financial Group that I would like to roll this into a SEP-IRA as the annuity's is only growing at a 5.05% rate....Can I do this without penalty? What do I need to do?
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