>Because I?m doing a lot of sub contract and freelance work, I don?t
>currently have an active 401k. I have money tied up in two old ones, but I?m
>not contributing to either because I?m not working for the employers that
>have the 401k?s.

Are you self-employed then? In which case you can use either a SEP or a Single 
401K. I have a Single K with Fidelity which gives me a lot of options and was 
very easy to roll my old 401K's into. 





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