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I recently got married and my wife has a 403b account from her old job that I plan to transfer to a Roth IRA(it's less than $2000). I also have a Roth IRA but it is in my name. I spoke to people at Schwab, where my account is, and they said that I couldn't transfer her money into my account because it is an "Individual" retirement account, thus the name! So they said we each had to have separate accounts which makes sense and is fine, and that we can each contribute $2000 a year if we meet the income qualifications, etc. But then when I asked if I can then contribute her $2000 to the transfered account each subsequent year, they said that for tax reasons it would not be a good idea and that I should have a different account for contributions versus transfers. Why is that and what should I do?

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