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I posted a similar question several months ago, but I think at the time, the IRS hadn't fully explained how they were treating SAR-SEP accounts (is it IRA or "employer sponsored" account -- basically, it fits both definitions, but the IRS talks IRA and employer sponsored as if they were mutually exclusive)

I have a SAR-SEP account, and an account with mixed deductible and non-deductible IRA money in it. What I'd like to do is convert all of the IRA money to Roth, without converting the SAR-SEP. I know that IRS rules specifically say that I can't convert just the non-deductible IRA, but I don't know if I can treat the SAR-SEP as not IRA for the conversion.

Has this issue been addressed on these boards? I tried searching, but I wasn't sure what to look for, and I didn't find anything with what I tried.

Has it been addressed by the IRS? It'd be great if someone could point me to a relevant IRS document -- everything I've read from them so far has been unclear at best, and self-contradictory at worst.

Thanks,
Ingrid
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