We have had an online investment account (Joint) for about a year and a half. We just set-up a Roth IRA for each of us.We think it is a good idea to sell one of our stocks (from our non-tax-sheltered account) and then transfer the money into the Roth IRA, and then re-buy the stock from the IRA account.If I'm reading you correctly, tax law doesn't allow you to do what you propose.Contributions to Roth IRAs must be in cash and are limited to $2,000 annually for each of you, assuming that you meet the other requirements. You cannot "move" assets from a taxable account into your Roth without taking into account the annual contribution limit. You can convert a traditional IRA to Roth, but it doesn't sound like that's what you're contemplating.TMF ExROPhil Marti
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