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I have a ROTH with Sharebuilder and want to know this: Is it considered a distribution/taxable event on the gains if I sell a position within the not take the $$ but leave it in the Sharebuilder money market account to purchase another stock? Can I do this or am I stuck with whatever is in there till retirement?

Is that Sharebuilder money market account inside the Roth unbrilla? If so, you can sell a position inside the Roth and have the money go to a money market account inside the Roth, and buy other stocks inside the Roth. The key is that the money remains inside the Roth IRA umbrilla. Only when money goes into the Roth IRA unbrilla is it considered a contribution, and only when money comes out of the Roth umbrilla is it considered a distribution. But everything that happens strictly inside the Roth IRA umbrilla is "invisible" to taxes. (You could even transfer money from one Roth IRA custodian to another Roth IRA custodian, but since it remains under the Roth IRA unbrilla, it would be "invisible" to taxes.)
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