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Lori, you wrote:

I'm pretty positive that you won't be able to link these accounts. If you're going to do the foolish four you'll probably have 16 separate transactions. The government is pretty strict about IRA funds not being mixed with other funds.

I am self-employed and also have a part-time salaried position. When I recently opened a brokerage account, they said I couldn't have my SEP-IRA in the same account as my regular IRA money. Also, the brokerage said my husband and I could not link our IRA accounts.
They said IRA accounts cannot be a jointly held asset
or be linked in any way to anyone else's money.

You are correct, and so is your broker. But did your broker tell you that after the money hits the SEP-IRA you are free to move it to another, regular IRA? That way you can mass funds together to simplify transactions and/or minimize costs of trading.

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