Hi all, I'm new here, glad to be part of the group. I have a question about the ability or inability to commingle before and after tax money. I have a client that has about 400k in an IRA that was a combination of rollovers from various employer based plans, both 401k and 403b. At one company he also bought company stock in a separate IRA, I never knew exactly what the status of this account was exactly and did a like-kind trustee-to-trustee transfer to my brokerage when I took over the account as he had no interest in selling the stock at the time. Just this past year he decided to sell the stock and the initial plan was to transfer it into his current IRA. The problem was, he and his wife swore that at least some of the stock was after tax money. For that reason I held off transferring the money until he did his due diligence. This proved to be a chore as everyone that was at the company when he was there is gone and the transfer agent wasn't much help either. Finally, about a month ago we moved it figuring that if we couldn't prove that the account wasn't pre-tax money, the IRS probably wouldn't be able to find evidence to dispute us if we were wrong. I went ahead and did the transfer and in an impromptu meeting with them this past Sun., the guy found out that the money WAS after tax money after all. My first reaction was to call TDAmeritrade and have the check entered into a seperate IRA until I could find out EXACTLY what all of the stock is classified as. I called on Mon. morning and made arrangements, but I look this morning and the check hit the initial account at the end of the day yesterday. My questions are will there be any repurcussions from the IRS until I get this money moved out into its own account? The rep I talked to put a note in the computer before the money hit but there was an administrative snafu. What are the rules on before and after tax IRA money can this money be commingled? My guess is no, because some of the money has been taxed before and some of it hasn't. I'd like to get the pre-tax money in with the other pre-tax money if possible, how accurate does the IRS expect me to be? Should I leave this account as is and just invest it from there and not try to identify which shares are which because the paper trail does not seem to be very reliable. Any advice would be greatly appreciated.