I did a Roth conversion in 2011 because I had very little income. (Wife did one in 2012) I did another small conversion in 2013 and created a new account because it seemed prudent to keep the funds separate to keep them on different 5 year clocks. Have not done any conversions since. Now both accounts have been untouched for more than 5 years and I am ready to do another Roth conversion and will create a new account. I want to combine the first 2 accounts, just to keep my total # of accounts a little lower. Is there any reason not to combine these 2 Roth IRA accounts? They are both at Schwab.