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Wondering if anyone can help me. I just purchased $1800 of company stock through an employee stock purchase plan. I bought the stock at a 15% discount from the market price. The stock is worth $2300 today. Can I transfer those shares into my Roth account since I only paid $1800 for them or must I sell them first?

You cannot transfer stock into an IRA, no matter how you acquired it. All IRA contributions other than rollovers/transfers from one IRA account to another must be in cash.

Phil Marti
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