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Nic asks:

<<Since you guys answered my last two questions so quickly and accurately, I'm going to press my luck and post another.

I work for a startup company, and like most, we have golden handcuffs (stock options).. Is it possible to buy my stock options, and put them into a Roth IRA, so that I do not have to pay capital gains on that stock when/if I sell it.

This is a private company, so I'm not sure how this works. Anybody know of any places which would allow this?>>

No, you cannot transfer shares of stock to an Roth IRA unless they are part of a rollover from a traditional IRA. And no, you cannot put them into a traditional IRA unless they are part of a rollover from another traditional IRA or from an employer's qualified retirement plan. Bottom line: Unless you're transferring stocks from your employer's retirement plan (and you're not), you cannot use your stock options for this purpose.

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