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No. of Recommendations: 1
My simple: 10k
Employer's SIMPLE: 5k
Regular Roth IRA: 4k
Total: 19k

While one should never rely on a mutual fund customer service rep for tax advice, this one was correct. The reason I questioned the $19,000 figure was that I didn't realize you were including a Roth contribution in that number.

However, the total salary deferral amount across all Simples is $10,000. Only if the salary deferral of one of the plans was not a SEP would you be able to use the $15,000 deferral limit among all plans.

Also neglected was the matching employer contribution allowed for each Simple of 3% os salary.
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