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Greetings, NickelJ, and welcome. You asked:

<<QUESTION: is there any restriction on how often I can move money from one account to the other? I heard that since I "touched" the money on the transfer from the mutual fund to the on-line brokerage account, I cannot move it again (into the Roth account) for at least a year. Anyone understand the myriad rules about moving money?>>

It's true you are restricted on IRA rollovers to once per 12-month period for the same money. BUT -- There's a difference between a rollover (that's where you get the money) and a direct transfer between IRA custodians. In the latter, the money flows directly between one IRA and the other so you never see it or touch it. Direct transfers have no time limits and can be done as often as you can arrange them. All IRA custodians know how to do this, so all you have to do is ask. In your case, you may directly transfer the money from your traditional IRA to a Roth IRA without running afoul of the 12-month rule.

Regards..Pixy
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