@wjgrayson - rolling everything to one IRA will simplify your life. Not sure what additional risk you are taking on by rolling it together, unless it is 'counter party' risk.
@Critter-3 - what risk are you suggesting?
Counter-Party risk is the only risk I can think that increases by merging two IRA's at one custodian. But if that custodian is a federally insured US bank or a brokerage house that is SIPC insured, I can't see that risk is worth worrying about.
Now, if the IRA's custodial trustee is Big Benjamin's 3 Ball Pawn Trustee, then I can see the potential hazards and risk!
