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Thank you for your prompt response. To further elaborate, the opening balance and contributions to the account were made in the early years but realistically, 90% plus of the current balance is a result of growth. Total account balance exceeds 500k, so this would be disastrous for sure. Two follow-ups if I may:
1) I don't know of anyone who has had their IRA audited. I have been audited (business and personal) and the subject of my IRA's never came up. (I also have a large balance traditional). What circumstances triggers an audit of the IRA transactions (disqualifying or not) ?
2) Would it be reasonable as a precaution to stop all further activity in that IRA and open a 2nd Roth account that would be insulated from the potential past errors of the 1st Roth account? Am I required to have kept ALL documents relating to every transaction that occurred in my account? No three year rule?
Thank you for your time.