PCM43
New Member

IRA to ROTH conversion without paying RMD first

I misunderstood and converted an IRA to a ROTH in 2021 without paying the IRA RMD first.  I did have enough taxes withheld to cover the RMD. My credit union says they cannot reverse the conversion and offer no solution. Is there a solution or do I try to explain to the IRS after I file the 2021 taxes?