Here's what I've found out and it relates to my situation stated above: Pub 509-B (For use in preparing 2022 returns), page 14, states "In general, distributions from a traditional IRA are taxable in the year you receive them." It goes on to state:
"Exceptions. Exceptions to distributions from traditional
IRAs being taxable in the year you receive them are:
• Rollovers (see chapter 1 of Pub. 590-A);
•
Qualified charitable distributions, discussed later;
• Tax-free withdrawals of contributions (see chapter 1 of
Pub. 590-A); and
• The return of nondeductible contributions"
All those high-fallutin tax "specialists", on the Web who say it's the Trade Date, are wrong.
After talking (loudly) with the agent at Vanguard, he gave me this pub as their foundation for using the dates I gave, above, for their 1099s to me.
All my future trades, near the end of the year, will bear a 10-day margin, from now on. This issue cost me $1000s.
Good luck to all.
