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PatrickDW, in a follow-on question, asks:

I have two IRAs that I have converted to Roths this year. I wish to tranfer both Roth IRAs to a new trustee (a brokerage), AND contribute $2,000 for 1998 to a Roth with the new trustee. I am 31 years old, so I'm not concerned with the 5 year rule. May I combine the old Roth IRAs into one account, and may I add 1998's contribution to the same account?

Yes, you can. Be advised, though, that the broker may resist this due to prior guidance put out by the IRS based on proposed changes to Roth law that were never enacted. That guidance strongly advised conversion and contributory Roths be kept separate. Recent law prescribing the order of withdrawals for Roth IRA money eliminated any need to follow that guidance. However, that news may not have been acted on at most Roth providers yet, so expect some resistance. Just be persistent, and you should win out.

Regards....Pixy
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