Hello,

I have a new investment client (husband). His primary investments (in terms of account balance) consist of an account maintained by his wife (had been in a FLP and was dissolved earlier this year) – total is around $1.5M.

This individual has an Inherited Traditional IRA; Inherited Roth IRA and TOD with my firm. The total once everything is funded should be around $550k. Separately, Client also has a SEP IRA worth around $140k and some other assets.

In any event, he has 2 very small accounts at the prior custodian (TDAI): (1) a Trad. IRA worth $1,870 and (2) a Rollover (Trad.) IRA worth $6,116. Given these values, if moved over to my firm’s mgt. is there any reason we cannot combine the Trad. IRA w/ the Rollover IRA – since creditor protection is really a moot point as these values would be covered by the available laws whether subject to Federal or State.

Alternatively, can he roll-over both the Trad. IRA and Rollover IRA into his SEP IRA maintained elsewhere?

We’re trying to consolidate where possible the # of accounts.

Please advise. Thanks.

Jason