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Okay, I'm pretty confused having talked to the fine folks at Ameritrade about my SEP / Roth IRA combinatorial possibilities. My question, in essence, is this:

Is it possible to have my SEP-IRA *and* my two Roth IRAs held in *one* account, so that I can invest *all* the money as one large chunk? Otherwise, I will have to have 2 accounts, one for the SEP and one for the Roths, and may run into redundant trading costs, buying the same stocks, perhaps, for both accounts.

The Ameritrade rep that I spoke to said that I could pool all the money into one account, but that this would limit my SEP contributions to $2000 a year (my employer currently contributes over $5000 a year, so this obviously is not a viable option). But this doesn't sound right to me.

I haven't been able to get any sort of authoratative answer on this for some time and it's a huge question for me, so any help would be immensely appreciated.

Thanks -- Alex
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