Lightwave Logic Inc (LWLG)

[jealmc79]

“you cannot withdraw earnings tax-free until at least five years”

The key word is “earnings”. You can take out what you put in at any time without penalty. The bigger issue is that you probably can’t transfer shares of stock into the Roth account so you would have to cash out your shares and then wait at least 3 days for the money to be transferred before you could buy the shares back. Not good if the price is increasing.