My husband and I are considering SD retirement accounts but we have some questions. Any feedback would be greatly appreciated!

- can I combine a SEP IRA and a regular IRA into one SD account?

- would i be able to invest jointly with my husband's SD acct?

- if i have to have separate accounts roth/sep/individual, can invest using all three accounts jointly? (i'm assuming the answer is yes)

Janel, you can combine any of your pre-tax accounts into single SD IRA. You can not combine pre-tax accounts with post-tax (Roth).

Your husband would need to set up his own SD IRA, there is no such thing as joint retirement accounts.

Your husband is considered Disqualified Person to your IRA but under certain circumstances it would be possible to pull the funds together but you want to make sure that you are working with qualified professional to do it correctly.