I currently have two Roth IRAs - a conversion & a contribution. In addition my wife has a conversion account & will soon have a contribution account. Obviously, I would have more buying power & less headaches if some of these could be bundled together (lower trading costs, convenience, etc). My question is: Does the gov't have any plans to allow the conversion/contribution money to all be in one account, or am I stuck with 4 IRAs forever?
On another note, I also have what's called a "SEP IRA" through work. If I leave my job, what are the options for taking this with me (i.e. can I roll it into one of the roths, or can it only be treated as a trad. IRA) ?

Thanks for the help

Jack