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I have the option to roll over money from a couple of different sources into a self directed IRA. My question, is there any reason I should keep the money from these different sources separate, or can I just lump them all into a single rollover IRA?

The 3 sources are a Pricewaterhouse 401k plan, an IBM 401k plan, and a Pricewaterhouse Retirement Benefit Accumulation Plan (an entirely employer funded defined contribution retirement plan from which I can take a lump sum payout).

Finally, with the PwC 401k, they allowed us to make after tax contributions which I did once or twice (all told less than 1% of the account's assets)...can I ask them to send me back the after tax contributions and just roll over the before tax money? The after tax contributions only amounted to a couple of hundred dollars, but now is annoying because I don't now how to treat it going forward.

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