Search found 6682 matches

by Alan S.
Fri Jun 23, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: T-IRA Withdrawal (non-RMD): Convert to Roth First
Replies: 8
Views: 617

Re: T-IRA Withdrawal (non-RMD): Convert to Roth First

Unless you are 59.5, remember that withdrawing a taxable Roth conversion within 5 years of the conversion will result in a 10% penalty.

So does any withholding taken out of a TIRA distribution.
by Alan S.
Wed Jun 21, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Old 401k to Roth rollover with NQDC
Replies: 2
Views: 132

Re: Old 401k to Roth rollover with NQDC

If you are going to have unusually low taxable income in any year, this typically is a good opportunity to convert to a Roth IRA since your tax on the conversion will be at a lower rate than you expect in retirement. You could do a direct rollover of the old 401k into a TIRA, and then convert half o...
by Alan S.
Wed Jun 21, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and My IRA
Replies: 21
Views: 4176

Re: Divorce and My IRA

Thanks, you guys! Actually, I don't think my husband even realizes that he would be entitled to half that money. He doesn't research things that way I do. Even if he knew, I don't know whether or not he would take it. My concern is that a judge would give it to him, even if the divorce papers stipu...
by Alan S.
Tue Jun 20, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and removing roth conversions
Replies: 3
Views: 475

Re: MAGI and removing roth conversions

I need some help here. In all cases, MAGI includes AGI, plus additional sums like tax free interest. To determine income limitations to make a ROTH CONTRIBUTION, Pub 590(a) - p.42 - Worksheet 2-1, has lines 1-3 that starts with AGI, then REMOVES amounts from any ROTH CONVERSION. That's good. That's...
by Alan S.
Tue Jun 20, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental partial non-deductible tIRA contribution last year -- can/should I convert to Roth?
Replies: 5
Views: 181

Re: Accidental partial non-deductible tIRA contribution last year -- can/should I convert to Roth?

Yes, the 2016 1040X will need to delete the 8606 that reported the non deductible contribution, but also should include the explanatory statement regarding the recharacterized contribution from TIRA to Roth.

Also agree to your recharacterization timing plan for both years.
by Alan S.
Tue Jun 20, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental partial non-deductible tIRA contribution last year -- can/should I convert to Roth?
Replies: 5
Views: 181

Re: Accidental partial non-deductible tIRA contribution last year -- can/should I convert to Roth?

As long as your MAGI qualifies you for a regular Roth contribution of at least 2,000, you should recharacterize 2,000 of both your 2016 and 2017 TIRA contributions as Roth IRA contributions. Any earnings or net loss on the 2,000 will also be transferred to the Roth as part of the non taxable transfe...
by Alan S.
Tue Jun 20, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Beneficiary IRA Rollover without deceased's SSN
Replies: 9
Views: 590

Re: Beneficiary IRA Rollover without deceased's SSN

Sounds to me like the advisor and the father are conspiring to withhold this SSN. The father knows the SSN and the advisor probably also knows it or how to get it with or without the father's help. After appealing this request to the intended beneficiary IRA custodian with no success, maybe consider...
by Alan S.
Tue Jun 20, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and My IRA
Replies: 21
Views: 4176

Re: Divorce and My IRA

A QDRO does not apply to IRA accounts, the much simpler "transfer incident to divorce" does. But there is no early distribution penalty waiver for the receiving spouse with the latter. If 50% of this Roth was transferred accordingly, each spouse would hold a pro rated or 4,750 of regular c...
by Alan S.
Tue Jun 20, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 1766

Re: Change Auto & Umbrella Insurance after 52 years?

Back in the day, there was at least some degree of loyalty exhibited by insurance carriers when a borderline situation came up. If you had been a loyal customer for many years, the company would make an "accommodation" in your favor. This would not be a rate reduction, but more likely an e...
by Alan S.
Tue Jun 20, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Closing an ineligible Roth IRA account sitting there since 2015, Will it interfere with setting up a Backdoor Roth IRA?
Replies: 2
Views: 287

Re: Closing an ineligible Roth IRA account sitting there since 2015, Will it interfere with setting up a Backdoor Roth I

Correcting the excess Roth contribution will not affect your back door Roth IRA process. For your 2015 excess Roth contribution, you need to file a 2015 Form 5329 and pay a 6% excise tax with it. Same for 2016. You can probably file these forms on a stand alone basis, but every so often the IRS exam...
by Alan S.
Tue Jun 20, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Excess Contributions to Roth IRA
Replies: 4
Views: 365

Re: Excess Contributions to Roth IRA

What amount will be left in the Roth IRA after all the excess contributions (plus earnings on the 2016 contribution only) have been withdrawn? There could be past allowable contributions that were not excess, possibly conversions, and earnings. Any conversion money withdrawn under 5 years would incu...
by Alan S.
Tue Jun 20, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: roth 401k --> roth IRA distribution question
Replies: 2
Views: 259

Re: roth 401k --> roth IRA distribution question

Your Roth 401k money will not yet be qualified because you will not be 59.5 when you do the direct rollover. In that case, your Roth IRA balance of regular contributions will be increased by the amount of your elective deferrals to your Roth 401k and that amount will be shown in Box 5 of the 1099R i...
by Alan S.
Mon Jun 19, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 444

Re: Earliest/Latest date for making that first RMD a QCD

Yup. No doubt. I will likely start the process within that first week after my 70½-th birthday. Well, it is clear that you want to donate 100k of QCDs in each year. But if these QCDs are less than your RMD, you also need to determine how much taxable income you want in each year for the excess amou...
by Alan S.
Mon Jun 19, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest/Latest date for making that first RMD a QCD
Replies: 10
Views: 444

Re: Earliest/Latest date for making that first RMD a QCD

I also seem to recall that if you wait until the next calendar year to take that first RMD (as long as it's before 4/1), you've lost the opportunity to make that RMD a QCD for that previous, first RMD year. 3) Is that correct? The only issue this appears to raise would be if you expect that the tot...
by Alan S.
Mon Jun 19, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Excess Contributions to Roth IRA
Replies: 4
Views: 365

Re: Excess Contributions to Roth IRA

For all the pre 2016 excess Roth contributions, there are 3 ways to eliminate the 6% excise tax: 1) Do NOT make a Roth contribution in a year you are eligible, so that some of the excess can be applied to that eligible year. This is done on Form 5329, which needs to be filed in any case when an exce...
by Alan S.
Mon Jun 19, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and My IRA
Replies: 21
Views: 4176

Re: Divorce and My IRA

Thanks you for the replies. My husband has no investments. He had $4k in a 401K a few years ago, but withdrew it. Since then he got a new job. He has a 401K with the new job but has not contributed anything to it. Since I only have 10K in my roth ira, I think it would cost less to withdraw the mone...
by Alan S.
Mon Jun 19, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Rollover from traditional 401K to Roth IRA?
Replies: 6
Views: 449

Re: Rollover from traditional 401K to Roth IRA?

Note that if you do roll pre tax 401k money to your Roth IRA, it can later be recharacterized from the Roth IRA to a TIRA if you determine that the rollover was a mistake. You could also do a partial recharacterization if you wanted to limit the taxable amount of the rollover. This "do over&quo...
by Alan S.
Mon Jun 19, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Seeking 2017 IRA contribution clarification
Replies: 7
Views: 397

Re: Seeking 2017 IRA contribution clarification

Subject: Seeking 2017 IRA contribution clarification Hello – I have a question about 2017 IRA contribution and seeking clarification of what I understand – Tax File Status: Single Gross salary: $118,000/year Age: Under 50 Question #1: I’m I allowed to contribute the full $5,500 into a Roth IRA? If ...
by Alan S.
Sat Jun 17, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Forced to Convert 401k to IRA?
Replies: 17
Views: 1149

Re: Forced to Convert 401k to IRA?

What if you were >55 and < 59.5 and wanted to withdraw without penalty? Would they still force you to roll it? Could you withdraw without penalty after it was converted? This is the first question to be asked if someone retires in that age range and will need distributions to cover expenses. The pl...
by Alan S.
Sat Jun 17, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA: Earnings can't be rolled over ???
Replies: 12
Views: 807

Re: Roth 401k to Roth IRA: Earnings can't be rolled over ???

I found a blog (20SomethingFinance, G.E. Miller) with the following comment. "When you open a Roth 401k, your employer will open a separate traditional 401k. All matching funds that go into that traditional 401k are pre-taxed, meaning that you are not taxed now, but you are taxed on withdrawal...
by Alan S.
Sat Jun 17, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: 401K rollover nuance
Replies: 3
Views: 276

Re: 401K rollover nuance

Like many I have pre and post tax dollars in a 401K. I am retired and to eliminate multiple accounts at different firms and to expand investment options I am rolling a 401K into an existing IRA. I had intended to take post tax contributions out of the 401K upon rollover but vendor suggested I roll ...
by Alan S.
Fri Jun 16, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401k to Roth IRA: Earnings can't be rolled over ???
Replies: 12
Views: 807

Re: Roth 401k to Roth IRA: Earnings can't be rolled over ???

Did this misinformation come from Vanguard? Amounts distributed from a Roth 401k can all be rolled into a Roth IRA. You will get a 1099R that will show your total Roth 401k contributions and the first year you contributed to the Roth 401k. You then have to organize your Roth IRA records to determine...
by Alan S.
Fri Jun 16, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Admin Requiring IRS Opinion Letter to Roll In Money
Replies: 7
Views: 963

Re: 401k Admin Requiring IRS Opinion Letter to Roll In Money

The main concern of a 401k plan is that they do not receive IRA basis in a rollover, and the IRS has issued RR 2014-9 https://www.irs.gov/irb/2014-17_IRB/ar05.html to make it easier for plans to assume that risk. But if a plan is concerned that your rollover IRA may hold rollover funds that were not...
by Alan S.
Thu Jun 15, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover, *erroneous* 1099 (for full balance)
Replies: 34
Views: 1455

Re: IRA rollover, *erroneous* 1099 (for full balance)

I consider it an error when IRS instructions are ignored. From the Pub 1099R Instructions: Transfers Generally, do not report a transfer between trustees or issuers that involves no payment or distribution of funds to the participant, including a trustee-to-trustee transfer from one IRA to another I...
by Alan S.
Thu Jun 15, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: 5498 Forms: Wife got two forms, I got one form for identical backdoor Roth process
Replies: 8
Views: 534

Re: 5498 Forms: Wife got two forms, I got one form for identical backdoor Roth process

As long as the 5498 information is correctly represented for each IRA account, it does not matter if there are separate 5498 forms for each account or a consolidated 5498 showing more than one account.
by Alan S.
Thu Jun 15, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover, *erroneous* 1099 (for full balance)
Replies: 34
Views: 1455

Re: IRA rollover, *erroneous* 1099 (for full balance)

The funds were moved as a trustee to trustee IRA transfer, but as I indicated before a 1099R was issued in error. Neither a 1099R or a 5498 should be issued because IRA to IRA transfers are non reportable. This is very clear in the IRS 1099R/5498 Instructions. The 1099R coding is a non issue because...
by Alan S.
Wed Jun 14, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: 5498 Forms: Wife got two forms, I got one form for identical backdoor Roth process
Replies: 8
Views: 534

Re: 5498 Forms: Wife got two forms, I got one form for identical backdoor Roth process

The two 5498 forms received by your wife is the norm, assuming that the contribution was done FOR 2016 and the conversion done IN 2016. For yours, it may be possible to have two entries on a 5498, but since one is a Roth conversion contribution, it would have to be clear that your Roth received a c...
by Alan S.
Wed Jun 14, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: 5498 Forms: Wife got two forms, I got one form for identical backdoor Roth process
Replies: 8
Views: 534

Re: 5498 Forms: Wife got two forms, I got one form for identical backdoor Roth process

The two 5498 forms received by your wife is the norm, assuming that the contribution was done FOR 2016 and the conversion done IN 2016. For yours, it may be possible to have two entries on a 5498, but since one is a Roth conversion contribution, it would have to be clear that your Roth received a co...
by Alan S.
Tue Jun 13, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 5275

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

A crash is not the same as a bear market.

The largest % market crash in history was 22.6% on 10/19/1987, known as the 1987 crash.

The S&P 500 in 1987 was down 5.3%. That is what you would have saved by getting out for the entire year. It's not much. Then when would you have gone back in?
by Alan S.
Mon Jun 12, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to fix several years of excess contributions to Roth IRA?
Replies: 26
Views: 2209

Re: How to fix several years of excess contributions to Roth IRA?

I totally agree with Mark except on the one point about special coding for the 33k distribution. For the distribution of the 33k of 2010-2015 excess contributions, there is no special coding option. The 1099R will look like an ordinary withdrawal, coded J. Best not to even mention excess contributio...
by Alan S.
Sun Jun 11, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to fix several years of excess contributions to Roth IRA?
Replies: 26
Views: 2209

Re: How to fix several years of excess contributions to Roth IRA?

How does the IRS not catch such things? In a given tax year, shouldn't form 5498 jibe with the income particulars reported on form 1040 vis-à-vis Roth IRA contribution limits? My guess is that their monitoring system is not as good as it should be. The OP should still true up his taxes to prevent f...
by Alan S.
Sun Jun 11, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to fix several years of excess contributions to Roth IRA?
Replies: 26
Views: 2209

Re: How to fix several years of excess contributions to Roth IRA?

How does the IRS not catch such things? In a given tax year, shouldn't form 5498 jibe with the income particulars reported on form 1040 vis-à-vis Roth IRA contribution limits? My guess is that their monitoring system is not as good as it should be. The OP should still true up his taxes to prevent f...
by Alan S.
Sat Jun 10, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: 72t / SEPP payments
Replies: 3
Views: 414

Re: 72t / SEPP payments

A SEPP plan is between the taxpayer and the IRS. IRA custodians may provide partial support such as checking the calculations, but very few will code the 1099R with the penalty exception code 2. Vanguard will not underwrite the entire plan and provide the exception code, so you will need to file For...
by Alan S.
Sat Jun 10, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: SEPP for pension account?
Replies: 4
Views: 327

Re: SEPP for pension account?

What you thought was logical enough because an annuity payment IS both substantially equal and periodic. Unfortunately, the IRS Notice limits the amount of the payments to those calculated using one of those 3 methods. You could not even annuitize PART of the pension because 3 methods require applic...
by Alan S.
Sat Jun 10, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRS form CP2000--they want tax on an IRA rollover, please advise
Replies: 20
Views: 1231

Re: IRS form CP2000--they want tax on an IRA rollover, please advise

Thanks, Celia. Yes, I told the tax software that it was for an IRA, and the return had the word "rollover" typed on it next to line 15b. I think it was the 1099-R, which suggested that this was a taxable distribution, that triggered the IRS. Then the lack of a 5498 probably left the IRS w...
by Alan S.
Sat Jun 10, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: SEPP for pension account?
Replies: 4
Views: 327

Re: SEPP for pension account?

The penalty exception for SEPPs requires using one of the 3 approved methods outlined in RR 2002-62: https://72t.net/72t/IRS/Revenue/Ruling/2002-62. Qualified plans of employers generally do NOT apply one of these methods and their annuity payout is based on age and years of service. Starting payout...
by Alan S.
Sat Jun 10, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: IRS form CP2000--they want tax on an IRA rollover, please advise
Replies: 20
Views: 1231

Re: IRS form CP2000--they want tax on an IRA rollover, please advise

Sounds good. You really do not need the oath though. Use the term "trustee to trustee transfer" in the explanation and mention that this should not have been reported on a 1099R as a distribution. I doubt that you will get another 1099R for the more recent transfer to VG, so there is an ex...
by Alan S.
Sat Jun 10, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: IRS form CP2000--they want tax on an IRA rollover, please advise
Replies: 20
Views: 1231

Re: IRS form CP2000--they want tax on an IRA rollover, please advise

First of all, my sincere thanks to all of you who are weighing in, this is extremely helpful, and I'll appreciate any further guidance. Alan S, I think you've nailed it. I have printed my Vanguard IRA statement for the month in question, and it shows a transaction for the exact amount reported on t...
by Alan S.
Fri Jun 09, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: IRS form CP2000--they want tax on an IRA rollover, please advise
Replies: 20
Views: 1231

Re: IRS form CP2000--they want tax on an IRA rollover, please advise

The lack of a 5498 is another indication that E Trade messed this up by issuing a 1099R for a direct transfer. Direct transfers are non reportable and receipt of a direct transfer is also non reportable. If VG did not issue a 5498 it means they treated the contribution as a transfer and not a rollov...
by Alan S.
Fri Jun 09, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRS form CP2000--they want tax on an IRA rollover, please advise
Replies: 20
Views: 1231

Re: IRS form CP2000--they want tax on an IRA rollover, please advise

What you did qualifies as a non reportable transfer, so the 1099R should not have been issued as long as the FBO showed your IRA rather than just you personally. However, since a 1099R was issued you should have got it rescinded right away OR just reported this as a 60 day rollover on line 15 of For...
by Alan S.
Fri Jun 09, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Is there a calculator that solves for optimal Roth conversion
Replies: 54
Views: 4055

Re: Is there a calculator that solves for optimal Roth conversion

+1. The problem with all these calculators is that none of them are able to accurately dissect your marginal tax rate in retirement. There are many reasons for this: 1) Your nominal marginal rate can change from year to year 2) IRMAA surcharges should be incorporated in some manner although this is ...
by Alan S.
Fri Jun 09, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth tax issue
Replies: 6
Views: 936

Re: Mega backdoor Roth tax issue

Thanks. The 401K administrator has refused to issue a corrected 1099R because they said I initiated the rollover online so I'm not sure what I'm supposed to do at this point. I did add the gain to my Roth basis on the IRA worksheets. That is a deceptive response from the plan. Just because you init...
by Alan S.
Thu Jun 08, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA to IRA to 401k?
Replies: 1
Views: 113

Re: SIMPLE IRA to IRA to 401k?

I'm a first time poster with what I think is a complicated question. I have a two year old SIMPLE IRA from a previous job. The funds are now eligible for rollover. The SIMPLE IRA costs $25/y to maintain the account in addition to the ER. I now have an employer 401k that accepts rollovers from tradi...
by Alan S.
Thu Jun 08, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth tax issue
Replies: 6
Views: 936

Re: Mega backdoor Roth tax issue

Not sure how the direct rollovers were processed, but the payee on the direct rollover check should include "FBO (you) Roth IRA". The only excuse for not having the gains reported in Box 2a of the 1099R is that the plan did not know your rollover destination was your Roth account. Since di...
by Alan S.
Thu Jun 08, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Medicare users - what type of plan(s) do you use?
Replies: 26
Views: 2321

Re: Medicare users - what type of plan(s) do you use?

On the poll, none of the above. My previous employer provides an after medicare plan for $500/month that covers the 20% unpaid by medicare after a $1,500 deductible per person, plus substitutes for part D, with much simpler rules, plus provides international coverage. Ralph The employer is doing yo...
by Alan S.
Wed Jun 07, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 6550

Re: Inheritance Quandary

Owning real estate in the bay area comes with dealing with an inevitable major damage quake at some point. You can insure part of the exposure but not the deductible and premiums are high. I believe this is a risk that should not be ignored despite the tendency of many locals to do so, and conversel...
by Alan S.
Tue Jun 06, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA to Vanguard 401k question
Replies: 7
Views: 342

Re: Traditional IRA to Vanguard 401k question

In 2014 the IRS issued RR 2014-9 which intended to make it less risky for plans to accept rollovers from non conduit IRA accounts. This relief allows the plan to accept a taxpayer certification that the balance being rolled over contains to non deductible IRA contributions, ie no IRA basis. However...
by Alan S.
Tue Jun 06, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question
Replies: 1
Views: 198

Re: Backdoor Roth Question

As soon as you have 5500 for the non deductible contribution, I would make that full contribution to EITHER spouse's TIRA and convert it right away. Then as soon as you have another 5500 available make the full contribution for the other spouse and convert. This is a total of 4 transactions per year...
by Alan S.
Tue Jun 06, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k to Roth IRA? Y/N
Replies: 4
Views: 426

Re: Roth 401k to Roth IRA? Y/N

Since you are nowhere near RMDs and do not need to take any distributions from your 401k money anytime soon, there is no urgency to move the old plan right now. But there is also no harm in rolling it over either since you eventually will be doing so. When you do, be sure to make some notes on the n...
by Alan S.
Tue Jun 06, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: How to recover cost basis of Roth IRA?
Replies: 15
Views: 1181

Re: How to recover cost basis of Roth IRA?

Remember, Roth contributions are not reported on your tax returns. You need the wage and income data here, although you may have another reason to request your actual tax return. You need Form 5498 specifically to determine if a Roth contribution was made. in addition, if a contribution was returned...

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