"But I'm flummoxed as why I would have those?"
So am I. I still have no idea how you ended up with something outside of the Roth IRA that would generate capital gains and how that could be related to the Roth IRA.
"Custodian told me I will have to pay taxes in 27, for the distribution."
What distribution? Is that in reference to a capital gains distribution that perhaps occurred in 2026?
