me[at]privacy.net wrote:

- quote -

I recently read that one broker did not allow for different IRA accounts
to have different beneficiary structures. They automatically changed all
accounts to the bene list for the oldest account. Don't recall which
broker, but if this is important to you, having the two brokers may be
desirable. No other reason I can think of. In general 'simplify' is the
way to go.

Earlier, you asked about Roth conversion.
See http://www.fairmark.com/rothira/eligible.htm
for complete details if you are eligible.
JOE

- quote -


OK but is it advisable? is there some compelling
reason to keep them separate since they came form
different companies and distributions? Neither one is
in stocks yet.... just setting in money market funds
for time being.

me[at]privacy.net writes:

- quote -

Yes. You always could.

The issue (before the change of law sometime in
the past 5-6 years) was commingling a rollover IRA
and a contributory IRA.

--
Rich Carreiro rlc-news[at]rlcarr.com

I have two sep Rollover IRA's form two diff job changes

Can I combine into one acct now?

One is with Fidelity and other with Vanguard and I like
it all with Vanguard if possible.

If they can NOT be commingled....can I at least move
them BOTH to Vanguard as separate but two distinct
accts?

Also....can I change them to Roth IRA's as well?