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Any thoughts?

Yes, your post is extremely confusing.

Can you just move the stocks you want to convert over to the Roth and pay taxes on the current value. Thus keeping the stocks own intact.

Yes, and this is the sensible way to do it.

Forget the rest of Point 1.

2) Then again, it might be better to just save up the money and start a New Roth account. The annual contribution would be the same for total Roths, but you still end up with more Roth(s) then by just having one that you can only $5000 annually. Then you don't loose money that could be earning more to taxes by the conversion.

There is a penalty for over-contributing to an IRA account (Roth or Traditional)

This Publication should answer your IRA questions, but return to this great board, if you still have questions
http://www.irs.gov/publications/p590/index.html


Hohum
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