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Anyway, after a couple years or so, her boss (the other doc in the office) said that he had to include her in the office retirement plan, which is called an SEP. My wife contributes nothing. Ths office contributes about 10% of her gross pay for the year. Her W-2 mentions nothing about her being covered by a qualified plan or any plan.

That's strange. The "Retirement Plan" box on the W-2 should be checked, although the contribution amount doesn't show up anywhere.

My question is: When she stops, can we roll this whatever it is over into her Vanguard rollover IRA (which is from when she worked full-time in her own office in a different town)?

Yes. In fact, she can do a transfer as soon as money is deposited into her SEP IRA. A SEP is just a way of getting money into a traditional IRA account. Once it's there it behaves just like any other traditional IRA money.

References: Pubs 560 and 590

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