Thanks for that answer. I think you're absolutely right but I had to keep asking different people the same question just to hear the answer that I know is right from reading the forms.I had a broker from Merrill Lynch and a CPA both tell me there was no problem. WRONG!The problem, I think, lies in their misunderstanding of the difference between a SEP-IRA and a SIMPLE Plan.Thanks for your help. You saved me alot of trouble down the road.Bryan
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