@fanfare wrote:
Like I said on another thread:
How am I supposed to know when my Inherited Roth IRA was initiated?
Is the custodian required to inform me?
I don't know, since I am neither dead nor the beneficiary of a Roth IRA. The custodian will know the date of the specific Roth IRA (that's what code J is for on the 1099-R). I suppose it is up to the beneficiary to know if the decedent had already fulfilled the 5 year holding period with a different account. This information probably needs to be in a "read after death" letter somewhere along with the account owner's computer passwords and life insurance policies.
