I am currently contributing to my 401k plan at my present job. I don’t like the choices they give me and the brokerage plan charges $18 per trade and $100 a year maintenance fee. Can I continue to fund the 401k plan and transfer the moneys to a Roth IRA or similar plan at another brokerage?

First, I do not need a link to an IRA FAQ that talks about various circumstances governing IRA contributions. Read my question and answer it, do not answer an imaginary generalized IRA question.

I just want to know, do contributions to an SEP IRA by my employer have any impact on my ability to fund a Traditional IRA to the normal limit and deduct my contributions. Assume that if the SEP IRA didn’t exist, I could contribute and deduct the full 4000 this year.

Links to sites with information are appreciated.

My employer only allows 17% contrubition to 401K and they do not match anything right now (0%) so I will not reach the $15K limit. Anyway to help me get the max tax deferral of $15K?

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