I've been watching, but have yet to see this addressed. I'm self-employed, not making a lot of money at the moment, but have a bunch of savings & moderate amount of IRA's & SEP-no 401 etc. Three college tuitions on horizon. I can't see how I can possibly get enough $ into IRA's via 2k or 4k per year, & using my SEP usually doesn't get me much more. I'm 52 by the way. Is there a way (preferably legal) to shift $ from savings & mutual funds to IRA's, SEP's, or other types of retirement accounts or vehicles? I also don't want the colleges to grab my life's savings & I'm getting killed by health insurance premiums but that's another story.looking forward to some advice,leindert
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